Research On Rural Commercial Bank Credit Risk Control Of Middle And Small-sized Enterprises

Rural commercial bank at the beginning of the established tend to "based on small and medium-sized enterprises, service the local economy" as its management strategy, shoulder the important task of developing the local economy, support small and medium-sized enterprises, to stabilize the regional economy, and promote the harmonious development of society has played a very important role. However, because of the particularity of the banking system in our country, large domestic commercial Banks accounted for the vast majority of the domestic financial market, therefore, more and more experts and scholars will be the focus of the research on the state-owned commercial Banks, and neglected the rural commercial bank such a relatively special group, peculiar to the rural commercial bank credit risk is the lack of attention. The improvement of rural commercial bank credit risk management is a system process, it is not achieved overnight, need continuous improvement to perfect. And a careful study of rural commercial Banks in credit management problem, find the improvement of the practical measures to help them improve the quality of assets, to speed up the development, to promote the local economy, building a harmonious society is of great significance.This article in the commercial bank credit risk control, on the basis of relevant theoretical study, using the method of questionnaire survey, tracked 2007-2013, our country nearly 40 rural commercial bank data, quantitatively calculated the non-performing loan ratio of China's rural commercial bank, analyzes the present situation of the rural commercial bank credit risk management of small and medium-sized enterprises, points out the existing problems and its reasons; then further discusses the influence factors and their influence of commercial banks of small and medium-sized enterprise credit risk, the paper uses fuzzy comprehensive evaluation model to make sure of them; finaly, the paper puts forward the rural commercial bank credit risk control of small and medium-sized enterprises countermeasures and suggestions.With the study of rural commercial bank credit risk control of middle and mall-sized nterprises, this paper puts out the following research conclusions. First, the credit business of middle and mall-sized nterprises of rural commercial bank is not started early, and is lack of control and management experience. So there are some credit risks for middle and mall-sized nterprises of rural commercial bank, such as hign non-performing loan ratio, low credit rating of borrower, serious human factors, and so on. The reasons for these are non-sound internal control mechanism, backward credit risk control level, imbalance of credit structure, and others. Second, the paper establishes the assessment indicator system for rural commercial bank credit risk control of middle and mall-sized enterprises, including three levels, namely, bank, enterprise and government, based on the rules of comprehensive, scientific, operational and timeliness. This evaluation system reflects the main influencing factor of the rural commercial bank lending to small businesses systemly. Third, the paper puts out the development level of rural commercial bank credit risk control of middle and mall-sized nterprises is critical safety level, and the reasons for this consist of bank, enterprise and government. Fourth, with the results of risk identification and risk evaluation of credit business control of middle and mall-sized nterprises of rural commercial bank, the paper puts out some control countermeasure from four levels, namely, banks, businesses and government, such as improving the liquidity of assets, reasonable control the scale of bank earnings, attaching great importance to the business owners and employees credit concept, transforming operation mechanism, increasing ability to sustained growth, improving the system of indirect financing, fully implementing the social credit evaluation system, and so on.