City Commercial Banks Of SMES Credit Risk Research

Since 2013,domestic economy has been continuously declining,banks have tighten up monetary policy further,risks have been emerging at higher rate,bankruptcies have been happening frequently,every industry have been facing the problem of finance-shortage.China financial sectors have been confronting radical changes,as the representatives of financial sectors,banks need to adjust their marketing strategies to deal with the crisis of revolution.in order to grasp the opportunities of development,diffuse the concentration of risks,improve profit-making capacity,a lot more banks put eyes on medium-small companies.but it finds hard to manage the credit risks for them because most of the medium-small companies have the problems of asymmetric information,substandard management,weak risk-resistance capability,high contract violation rate,under this circumstance,the main job of medium-small companies' credit service has shifted from rapid expansion at initial stage into risk control and loaning quality managementQ city is one of the most economically developed cities in the south of China,medium-small companies has indispensable impact on its whole economy and become important part in marketing economy.the medium-small companies mainly exist within textile,attire,shoes,stone,mechanic,food,stone-carving,tea,resin,craft porcelain,building porcelain,appliance,Rattan iron and other traditional manufacturing industries.this article will begin with all kinds of loaning risks the medium-small companies have,discuss specific prevention from loaning risks of medium-small companies in depth under current economic environment.firstly the article will generally allude from home and abroad scholars books about asset management,risk control and medium-small companies financing.then analyze the medium-small companies developing situation and do researches on the problem the medium-small companies meet when financing and the risks exist by comparing the differences between nation-owned banks and commercial banks.finally the article will put up the solutions for commercial banks about how to tackle the needs of medium-smallcompanies financing when economic recession by learning the methods the Q bank used to deal with the medium-small companies financing and to manage the risks,additionally some information from the questionaires.