Bank Z Nanjing Branch SME Loan Risk Management

Since the outbreak of the financial crisis mainly in small and medium-sizedenterprises encountered development dilemma:on the one hand,due to external demand continued to atrophy,and the rising costs,small and medium-sized manufacturing enterprises has long been dependent on exports to transform the mode of development;on the other hand,because of the lack of effective guidance,lack of market and opportunities,small enterprises private capital in the blind diversification of investment,capital flows to the industry or the Gao Ganggan excess capacity of the real estate market,and as for borrowing,grey zone.Liquidity has been sustained since 2011 austerity,causes the enterprisefund chain break to small and medium based,in the more developed private economy area,the outbreak of small business owners Run away "tide".The small and medium-sized enterprise risk and credit management is self-evident.However,as the optimization of the loan asset structure,enhance the importanttool of income level,the small and medium-sized enterprise loan is still one of thecommercial banking business development direction of the.But since 201 1 small business difficulties,there is also the risk management of commercial bank loans to small and medium-sized enterprises of a lot of probleZ.The development of small and medium-sized enterprises need financial support,requires banks to provide quality financial services,but in reality,very littlesupport for small enterprises to get loans from commercial banks.To increaselending to small business support,strengthening risk management in small business loan business,this is an urgent problem to be solved.In this context,this paper attempts to study science,accurate identification,the small and medium-sized enterprise loan payment risks from the perspective of small and medium-sized enterprises,according to the actual,unifies our country commercial bank business process,risk management theory,data structure,thesmall and medium-sized enterprise loan favorable payment risk,provide theoretical and empirical support for the bank loan decision making andmanagement after loan,finally an empirical analysis based on the Z data bank,and puts forward the countermeasures and suggestions.