| With the vigorous development of the private economy, the status and role of small and medium-sized enterprise in the development of our national economy is more and more important and small and medium-sized enterprises for the development of the national economy made outstanding contributions; main ways of commercial bank credit funds for small and medium-sized enterprise external financing in the short term is still irreplaceable role. However, commercial banks to SMEs credit support still has realistic constraints. Commercial banks to establish a reasonable small business credit risk management and credit mechanism not only to solve the financing problem of small and medium-sized enterprises has positive significance, for the profit space is narrowing of the commercial bank also has a strong practical significance.The factors influencing China’s small and medium-sized park development is obvious. Mainly by commercial banks and small and medium-sized enterprises have its own constraints. Restricting the development of China’s commercial banks for small and medium-sized enterprises include defects in the financial system, credit management system is not reasonable, loan collateral requirements and business conditions of enterprises not to Park matching, and credit rating defects. And the enterprise itself, effective assets, lack of collateral acceptable to the bank guarantee; the small scale of production, low value-added products; and the characteristics of financial management is not perfect. These factors through a series of research on measures to avoid the credit risk of small and medium sized enterprises, to coordinate the conflicts between commercial banks and small and medium-sized enterprises, commercial banks and small and medium-sized enterprises better and faster service.This paper analyzes the small and medium-sized enterprise "loans" and "difficult loans of commercial banks" the subjective and objective reasons. From the perspective of commercial banks, the credit status of commercial bank business of small and medium-sized enterprises are analyzed, pointed out the present situation of commercial banks to the credit of small and medium-sized enterprises and factors, and the actual case of Shanghai Pudong Development Bank in recent years new the example, in-depth analysis of SME credit from two aspects of commercial banks and small and medium-sized enterprises, reveals the commercial banks in the credit business of small and medium-sized enterprises in the park management ideas, pointed out that management is a new way for the development of small and medium-sized enterprise business of commercial banks; and further, a comprehensive analysis of the mode of the meaning of business, the typical model, relation models and risk management as well as the practice effect management in constructing the mechanism of risk management in commercial bank. |
