Risk Management Of Small And Medium Enterprise Credit Line At Commercial Banks Under The Mode Of Science & Technology Finance

Small and micro-enterprises(SMEs)account for 90%of registered industrial and commercial enterprises and they are important part of Chinese economy development.SMEs get involved with people's livelihood consumption,employment promotion and other aspects,playing an important part in national economy.In recent years,Chinese economy enters into new time and situation of developmental method transformation and driving forces transformation,which is the so-called "new normal".Under the background of "new normal"economy,supply-side reform has been going deeper and more SMEs emerge in the market becoming important main part for promoting optimization of economy development and industrial structure.Meanwhile,the central and local governments have successively issued a series of science&technology finance policy supporting science&technology enterprises,which is to encourage finance industry to support science&technology SMEs development and to enhance the combination of two primary factors which are most important and active with most development potential.However,credit risks management has been the primary issue that commercial banks may consider in developing SMEs' business.In financial modal of science and technology,SME credit line is a completely new exploration and study on its risks management matters more to national economy development,commercial banks and mass science&technology SMEs owners.Nanjing branch of N bank sharply predicted market change,it founded science&technology branch bank beginning its exploration of credit line development model for SMEs under science&technology finance pattern.After five years' exploration and adjustrnent,Nanjing branch of N bank has established commercial bank's specific model or SMEs management under science&technology finance pattern.In this paper,based on SMEs credit line risks,research theory and status,it summaries successful risks management experience of this bank and puts forward further improvement feasible suggestion for risks management.Thus,it provides great reference and significance for commercial banks regarding SMEs credit line risks management science&technology finance pattern.