Research On Credit Risk Management Of SMEs In Commercial Banks

Public entrepreneurship,innovation of the "double" boom continue to promote national innovation in China,scientific and technological innovation has occupy the important position in the economic development of our country,small and medium-sized enterprise is undoubtedly an important driving force to guide China's scientific and technological innovation,its development has attracted more and more attention,especially for the financing bottleneck of science and technology small and medium sized enterprises,the state adopted a series of policy measures to encourage investment loan linkage that commercial banks' equity + debt financing or will become a new effect way to broaden the financing channels for small and medium-sized enterprises.But due to the small and mid-sized enterprise management system is not sound,the market uncertainty and risk prevention and control system is not perfect and so on,the technology of commercial bank credit financing for SMEs face greater risks,and mismatching of bank investment returns and risks as well as the inherent limitation of its financing system for small and mid-sized enterprise increased difficulty of new credit capital,this technology loan project has become an effective way for SME financing,but also facing the credit risk management of high cost,enterprise value is difficult to accurately assess the degree of specialization is not high,a series of problems in risk management.In view of the existing risk management of small and medium-sized enterprises,innovation in China's commercial banks must speed up the system of credit risk management of small and medium-sized enterprises,such as the innovation and development of science and technology related institutions,financial constraints and incentive system,combined with the establishment of imprest system such as bad debts and bad debts,while practicing the credit risk of customers,products,industry of fine management the concept,establish a comprehensive risk management system,improve risk management evaluation system,and constantly improve the data collection and information management platform,improving the credit rating system.In addition,it is necessary to establish an independent internal oversight and performance evaluation mechanism,and the SME credit guarantee system and risk compensation mechanism into the field of risk management.Only on the basis of the management of the credit risk of small and medium-sized enterprises,commercial banks can provide credit support for small and medium-sized enterprises,and promote the development of national innovation.