Loan Risk Assessment Of Small And Medium-sized Enterprises In H Branch Of Bank Of China

With the transformation of China's economic form and the rapid development of financial diversification,China's commercial banking industry is facing more uncertainties and more severe external environment under the background of economic transformation,which puts forward higher requirements for the operation quality of China's commercial banks' asset management system.Since 2012,the GDP growth rate of China's national economy has slowed down,and the domestic financial market has shown a steady development trend under the new economic normal.The coordination between the development quality and development structure of the financial market has become a problem that the national financial regulatory authorities attach great importance to.As the loan scale of China's commercial Banks for small and medium-sized enterprises continues to expand,the risk of non-performing loans increases steadily,which has a negative impact on the healthy development of the financial market.This paper aims atoptimizing China's financial market environment,adjusting the financing structure of financial loans,and reducing the non-performing loan ratio of small and medium-sized enterprises.It is of great practical significance to find solutions to various loan risks related to the non-performing loan ratio of small and medium-sized enterprises in commercial banks.Based on the analysis of the status and existing problems of NPL risk assessment of small and medium-sized enterprises in bank of China branch H,this paper proposes to improve the NPL risk assessment system of small and medium-sized enterprises in bank of China branch H.The purpose is to promote the healthy development of loan business,help to improve the loan risk prevention and control ability of China's commercial Banks,and play an important role in ensuring the stable development of China's economy.