Credit Risk Management For Small And Medium-sized High-tech Enterprises Of Commercial Bank

Risk management is an important way to balance revenue and risk.In the credit practice of small and medium-sized Hi-tech enterprises,risk optimization control for banks may imply the huge potential of cultivating the next competitive advantage.However,at present,many researchers only study from the commercial bank itself rather than the "Bank,Enterprise,Insure,Tax,Government" as a whole of Hi-tech financial ecosphere perspective,which is difficult to combine risk control with the promotion of national independent innovation,to seize the new growth point of Hi-tech finance.The optimal "lending" is not the global optimum,that is,the problem of "excessive" risk or "owed" risk.In view of this key problem,this paper,under the background of the times when the state vigorously advocates financial service entities and makes high-tech enterprises become innovative subjects,studies the new method of credit risk management and control strategies for commercial banks of Hi-tech SMEs.This paper draws the following conclusions:(1)Discuss the idea that traditional credit risk management only pays attention to banks themselves rather than financial ecology.This paper systematically studies the impact of scientific risk management of credit and financial products of small and medium-sized Hi-tech enterprises on improving performance with case analysis method from multiple perspectives.On this basis,a set of risk management countermeasures and new systematic methods based on commercial banks for small and medium-sized Hi-tech enterprises are put forward,so as to manage risks well and realize the capital elements into science at the same time.The difficult problem in the field of technological innovation provides a new solution.This view of risk extends the research field of vision;(2)Reveals the impact of the concept of risk on the credit management of high-tech SMEs,and finds that the financing difficulties of high-tech SMEs have a certain relationship with the concept of risk management,and on this basis discusses the applicability of risk measurement models and methods;(3)Analyzes the applicability of the model.Current status of credit risk management in commercial banks,systematic analysis of the main problems,financing difficulties,in order to prepare for further in-depth study;(4)Hangzhou Bank of Science and Technology Branch,Agricultural Bank of China Wuxi Branch,Bank of Communications Beijing Branch of detailed case analysis and empirical research,discussed the Bank of Hi-tech types,backgrounds and operation modes of credit business have been interpreted,and new experiences have been summed up.(5)Based on the research experience,the risk sources of various Hi-tech credit products have been identified systematically,and the countermeasures against the systematic risks have been put forward,and the difficulties of Hi-tech financing have been put forward from the perspective of macro-mechanism.(6)Aiming at the uncertainty of high investment,high return and high risk in Hi-tech enterprises,a new credit risk evaluation index,method and process system for small and medium-sized Hi-tech enterprises is proposed,which is a difficult problem for financial service entities and capital resources not willing to focus on the field of Hi-tech.It provides a new way of thinking and solution.(7)Finally,the paper puts forward some policy suggestions that we should speed up the improvement of Hi-tech branches and implement specialized institutions of Hi-tech financial services,and systematically establish scientific management of Hi-tech credit risks from the perspective of Hi-tech financial ecosphere,so as to promote "Double Innovation" and comprehensive reform and innovation strategy,and make "financial service industry" the national strategy of enterprises becoming the main body of innovation will be realized as soon as possible.