Research Of L Bank On Smes' Loan Risk Control

In China's economic development,commercial banks play an increasingly important role,forming a strong promotion and assistance to China's economic development.As an important part of China's corporate group,SMEs not only contribute to taxation for China's economic development,but also contribute jobs.However,under the development of economic globalization,many small and medium-sized enterprises in China are facing increasingly fierce competition.In order to survive,SMEs need to carry out necessary financing.However,financing difficulties are a major problem facing SMEs in China,which restricts the further development of SMEs.Relatively speaking,when SMEs face financing,because of the narrow direct financing channels,some SMEs mainly rely on indirect financing to achieve funding sources,including bank loans.Therefore,for commercial banks,it is necessary to control the credit risk of SMEs.Only by doing a good job of risk control can we further expand the credit business.This paper takes L Bank as the research object,analyzes the loan risk of SMEs,combines the author's work experience in commercial banks for many years,points out the main risks of commercial banks' SME credit business,and discusses the reasons for the formation of these risks.The real factors behind it.The article first introduces the definition of SME loan related concepts and current theoretical research at home and abroad,and expounds the current development of SME loan status and loan risk.Through the investigation and analysis of L Bank's credit business,it points out the main risks of the current L-bank SME credit business,and deeply analyzes its causes.On this basis,the paper concludes with some constructive suggestions for L Bank to carry out SME credit business,that is,L Bank should strengthen the information symmetry between L Bank and SMEs in the loan process,and improve L Bank's review of SME loan information.The ability to strengthen L-bank SME loan risk control and management response,and promote the regulation of L-bank SME loans after the supervision.I hope this article can promote L Bank's expansion in SME credit,improve the efficiency of commercial banks,and help more SMEs to obtain sustainable economic support and assistance.