The Early Warning System Of The Small And Medium-sized Enterprises' Financial Risk From The View Of The Credit Of The Rural Credit Coopratives

Premier Li Keqiang once said that the enterprise is the basic cell of the economy,while the enterprise is prosperous,and the economy is also prosperous.And the small and medium-sized enterprises are also an important part of the economy.According to the technology data from the Ministry of industry and information,the proportion of the small and medium-sized enterprises is more and more considerable.They are not only numerous but also have the ability to innovate and create.The small and medium-sized enterprises provide over 50% of tax revenue in the Chinese total tax revenue,and also creating more than 60% of GDP,providing a large number of job opportunities in the cites and towns.Therefore,the development of the small and medium-sized enterprises plays an important role in the construction of Chinese socialist market economy.The prosperous development of the small and medium-sized enterprises plays an positive effect in the Chinese economic construction.However,the development of the small and medium-sized enterprises is faced with various problems at present,of which the financing channels are single,and it is difficult to obtain funds in time.This is the first problem that the managers need to consider.In actual operation,it is also very difficult to identify high-quality small and medium-sized enterprises and how to give credit to them to support their development.Non-standard management system,non-transparent internal operations,distempered financial system and other factors have affected the bank's judgment to the small and medium-sized enterprise.The lack of effective means of analysis to the enterprises that have been granted credit has led to difficulties in follow-up lending management and frequent credit risks.These above-mentioned reasons have led to difficulties that small and medium-sized enterprises loans to banks.In the current market environment,unable to borrow from banks means that enterprises can only solve their financial problems by relying on private usurious loan.And this situation further pushed up the economic input of the small and medium-sized enterprises,and the enterprises are also facing more and more risks.This paper takes the financial risk of SMEs as a starting point,and discusses how banks can effectively identify the financial risks of SMEs from the perspective of bank credit risk,and make the decision of the credit arrangements for the enterprise.As a result of the author's work reason,this article will mainly observe and the analyse from the angle of the rural credit cooperatives,and carries on the contrast analysis with the current small and medium-sized micro credit loan of the rural credit cooperatives.