IC Bank Of Small And Medium-sized Enterprise Loan Risk Management Research

For commercial banks,with the increase in large customer financing channels,the expansion of information sources channels,bargaining power to enhance the past,relying on large customers to achieve the mode of bank development is no longer suitable for bank development.As small and medium enterprises have a huge market,a huge space for development,the development of commercial banks play an important role.Compared with large enterprises,SME loans risk greater,but a large number of small and medium enterprises,high interest rates and fast turnover,more suitable for commercial banks development model.In addition,the development of SME lending business to a certain extent,reflect the bank for product innovation.Only to correctly understand the risk of SME loans,effective management,in order to create suitable for SME loan model,and then expand the market,enhance their core competitiveness,to achieve healthy and sustainable development of the bank.In the process of research,this paper puts forward the research background and the significance of the research on the risk management of small and medium-sized enterprises by investigating the domestic and foreign literatures and the current economic situation in China.In the course of the research,the main work is as follows:This paper focuses on the analysis of IC bank existing SME loan risk management system status,and in-depth study of the existing problems to put forward to strengthen the risk management strategy;to D supermarket loan case,for the current IC bank risk management characteristics And the structure of IC banks to analyze the effectiveness and scientific nature of the existing management measures;through the case analysis,the IC bank existing SME loan risk management of the main problems of research,pointed out that the management system,evaluation mechanism,This paper puts forward the relevant principles that IC banks should follow in the loans of small and medium-sized enterprises by analyzing the successful experience of the small and medium-sized enterprise loan risk management mode at home and abroad.Based on the analysis,The domestic and foreign success stories analysis,put forward the detailed IC bank SME loan risk management measures,including credit access,core wind control,evaluation system and other specific measures.