Research On Loan Risk Management Of Small And Medium-sized Enterprises In HX Bank

The healthy and stable development of small and medium-sized enterprises plays a very important role in China's economic development.Therefore,it needs more strong support in terms of funds.Among them,loans to commercial banks account for a large proportion.As the current commercial banks in China are carrying out loan business for small and medium-sized enterprises,At this stage,based on the perspective of SME loans,Chinese commercial banks are subject to many pressures and risks,such as peer competition,economic policies,commercial banks and SME internal management.Commercial bank loans The survival and development of the business has also been subject to many constraints.Therefore,how to properly carry out SME loan business,explore the causes of SME loan risk and how to improve SME loan risk management is particularly important.Taking selects HX Bank as the research object,and deeply discusses its deep analysis and interpretation of the deep problems in the risk management of SME loans and focuses on the pre-lending investigation,loan review,and HX Bank's business operation characteristics.The three stages of post-lending management analyze the current situation of HX Bank's SME loan risk management,in this regard,it is found that in the credit rating,there is a lack of unity,and the objectivity is gone.standard and scientific risk evaluation system in the pre-lending stage.There is asymmetry and lack of objective data analysis in the loan stage.The lack of objectivity in credit evaluation standards is the key point to be solved before the loan;the problems in the loan are concentrated on the lack of loan decision-making ability and the unscientific data analysis;the customer tracking mechanism needs to be improved and the management mechanism is out of order,which is the outstanding contradiction after the loan.Therefore,the problems of HX Bank SME loan risk management are put forward and the causes are analyzed.From the perspectives of economic policy,SME management and internal bank management,this paper analyzes the causes of SME loan risk management.Based on the above findings,the following improvement strategies are proposed: Actively build an economic risk early warning mechanism and evaluation management system,scientifically regulate the loan business process,promote the further improvement of the credit rating system,and place post-lending management at the height of strategic development.