Research On Sme Loan Risk Control System Of GF Bank Of Shenyang

After the outbreak of the American financial crisis in 2008,governments at all levels have formulated and implemented a number of financial policies in order to strengthen the financing support for smes.For small and medium-sized enterprises,commercial banks are also important financing channels.With the continuous development of the financial market and the fierce competition among major commercial banks for big customers,small and medium sized banks have taken small and medium-sized enterprises as the key business development target in order to expand their market share.Small and medium-sized enterprises have made great contribution in promoting the development of national economy and social prosperity,but at the same time,many commercial banks considering small and medium-sized enterprises operating strength and the risk of financing,the financing of small and medium enterprises to apply for showing timid attitude,hinder the development of this business.This paper uses management and finance theory as the research tool to analyze the financing risk of small and medium-sized enterprises in China,and uses empirical research methods.The investigation of Shenyang GF bank SME loan risk,has carried on the investigation to the bank loans to small and medium sized enterprises development status of the small and medium-sized enterprise loan management system analyzes the problems existing in Shenyang's GF bank loan risk control system of small and medium-sized enterprises problems: small and medium-sized enterprise loan risk control organization structure is not perfect,the loan the risk control system of small and medium-sized enterprises is not perfect,small and medium-sized enterprise loan risk control process is not scientific.By borrowing and studying the experience and practice of loan management of advanced small and medium-sized enterprises at home and abroad,this paper puts forward some countermeasures to improve and perfect the loan risk of small and medium-sized enterprises.Shenyang GF bank SME loan risk control system optimization: perfect corporate governance structure,strengthen the internal management system construction,optimize the SME loan process.Through the research on the loan risk control system of SMEs in Shenyang GF bank,we can find that the existing loan management mode of Shenyang GF bank has many disadvantages in the SME loan risk control.In view of the small and medium-sized enterprise credit is generally low,providing loan guarantee mechanism is not standardized,enterprise or the guarantor of the collateral property is defective and other characteristics,Shenyang GF bank should develop more specific and stronger operational risk control system.This paper is to make full use of the basic theory has been relatively mature and combined with the specific case of Shenyang GF bank SME loan risk control system in-depth research,and then puts forward some constructive suggestions and opinions to further improve the risk control of the bank loans of small and medium sized enterprises.This is not only beneficial to promote the healthy development of SME loan business in Shenyang GF bank,but also provides a useful reference for the financing development of small and medium-sized enterprises,and helps to accelerate the economic development of smes.