Research On Loan Risk Control Of Small And Medium-sized Enterprise In HX Bank SZ Branch

China's financial industry has encountered unprecedented difficulties under the impact of a series of economic shocks in recently years,such as the international financial crisis and the European debt crisis.At the same time,with the rapid development of China's economy,the proportion of small and medium-sized enterprises in the national economy is increasing,and the same as the corresponding funding needs for the development of small and medium-sized enterprises.Under the increasingly fierce competition in the banking industry,vigorously expanding the loan business of small and medium-sized enterprises has undoubtedly become a breakthrough in the performance growth of commercial Banks.However,it should be noted that commercial Banks should focus on the prevention and avoidance of risks,and balance the benefits and risks of the loan business through policy guidance,while developing the loan business of small and medium-sized enterprises.Facing with competitive pressure and driving by internal profit motivation,the commercial Banks need to accelerate the transformation of their traditional loan business structure.Practice has proved that the key to the success of loan business transformation in commercial Banks is to build a capable risk management ability.In this study,we are taking SZ branch of HX bank as a specific object to analyze the general representative cases of loans,based on the information asymmetry,risk control,credit rationing and related theories.This study summarizes four main risk causes of loans,and then puts forward corresponding risk control and improvement plans:increase the identification of credit risks of loans to small and medium-sized enterprises,improve the assessment of loan risks to small and medium-sized enterprises,strengthen the control of loan risks to small and medium-sized enterprises,and optimize business processes and testing systems.The risk control plans have helped SZ branch to increase the scale of sme loan business significantly,and reduce the non-performing loan ratio greatly.In this study,we put forward a risk control improvement plan in the issue of sme loans overdue HX bank,by studying the loan business in HX bank of small and medium-sized enterprise.We have also decreased the loan ratio by implementing the plan in SZ branch.This study will provides a valuable reference to some commercial Banks that are vigorously developing the loan business of small and medium-sized enterprises.