Bank S Y Branch SME Credit Research On Risk Control Measures

Due to the relatively small scale of SMEs,weak resistance to risks in operations,low credit capacity,lack of credit record,lack of effective collateral,and information asymmetry between banks and enterprises,risk control of financial institutions for SMEs Difficulties have directly affected the intensity and willingness of financial institutions to provide loans to SMEs.Although the state and financial regulatory agencies have successively introduced a large number of policies to support the launch of bank loans to SMEs,the Bank also adopted a policy of differentiating the required deposit reserve ratio for banks that have placed SME loans on target,and raised the bad loans to SMEs.Rate tolerance.However,due to the economic downturn and the high non-performing rate of small businesses,SME loans have shrunk.SMEs provide close to 80%of jobs in Chinese society.Their contribution to the country' s economic stability and social stability is obvious.It is also a bank' s main high-yield customer.With the advancement of interest rate liberalization,it is effective in controlling risks.Investing in SME loans is also a topic that banks continue to study.State-owned banks have taken' the lead in researching the application of big data.The integration of platform resources of joint-stock banks has been ongoing,and commercial banks are also exploring their own roads.This article first analyzes the foreign advanced credit technology for SME credit granting and the support of governments from various countries,as well as the domestic research results on SME financing difficulties.Secondly,it introduces SME credit related concepts and processes,and then analyzes S Bank Y branches.SME credit development and risk control measures were analyzed and the deficiencies were analyzed.Improvement measures were put forward.Cases were used to analyze in detail the reasons for the credit risk of SMEs and the causes of the risks.The results were compared before and after implementation of the improvement measures.effect.This paper studies the credit risk control measures of commercial banks,proposes risk control optimization solutions,improves the credit risk control of commercial banks for small and medium-sized enterprises,and provides certain help and solutions for solving the problems that have plagued the financing of SMEs.