Research On The Nohas's Risk Of Loan Financing In SME Banks

Under the new normal of economy,small and medium-sized enterprises(SMES)have increasingly become an important part of national economic development,which is of great significance for supporting national economic development and solving employment problems.However,for a long time,the financing difficulty of SMES has been an important factor restricting the development of SMES,as well as an important issue related to the healthy development of SMES.However,as SMES are born with serious defects in financing,lack of compliance with their own operations,and primitive expansion in an innovative or extensive manner,the financing risk and risk management of SMES have become the most important issues for creditors.It can even be said that risk management is the core competitiveness of a financial institution,and the ability of risk management reflects the strength of financial institutions to a large extent.Meanwhile,for financial institutions,risk management is just like the lifeblood of survival.With outstanding risk management ability,financial institutions can stand out from the crowd and become leaders or even leaders and rule creators in the industry.If risk management is mediocre,it will be difficult for financial institutions to withstand a large number of bad debt risks,even if the business is temporarily excellent,can not continue.From the perspective of financing guarantee companies,this paper investigates the financing risks of several typical SMES bank loans,and analyzes the fundamentals,risk points and innovation advantages of SMES.To have a comprehensive understanding of the overall situation and operation details of SMES,and clearly understand the financing pain points of SMES,what the purpose of financing is,how much capital utilization rate and rate of return,whether they have the ability and willingness to repay loans and so on.After investigating the fundamentals of an enterprise,it is necessary to analyze and evaluate the risk points of the enterprise.Enterprises with too many risk factors need to make more prudent decisions,which requires professional judgment and knowledge of financial theories.In addition,this paper argues that micro innovation of SMES will be the core competitiveness of SMES,and also an important breakthrough point for SMES'financing risk management.Combining with domestic and foreign small and medium-sized enterprise financing theory at the same time,their own experience,put forward the small and medium-sized enterprise risk problem background and significance of research study,the paper research theory and method of analysis,risk identification and evaluation,finally puts forward a feasible scheme,the innovation of the risk management in order to achieve the purpose of risk management,effectively reduce the loss of the creditors,but also effectively circumvent the risk of guarantee company's compensation.After on the investigation and analysis of small and medium-sized enterprises comprehensive,learning to adopt advanced risk management theory at home and abroad,finally put forward some innovative risk management point of view,including industry access innovation,product structure and the industrial chain of financial innovation of innovation service micro method to achieve the goal of optimization of risk management.Industry access view of small and medium-sized enterprises to identify,innovation requires financial institutions to realize congenital deficiency of small and medium-sized enterprises at the same time,also need to find itself micro innovation,advantage of micro aspects,and implement corresponding risk control measures for its outstanding advantages,can guarantee of small and medium-sized enterprises in financing after successful invest the money to advantage,get more development opportunities and profit space,fundamentally strengthen the small and medium-sized enterprises.Product structure innovation needs to provide SMES with financing services,more diversified financial services and even financial risk guidance,so as to improve their risk management awareness and make them aware of their own shortcomings and consciously analyze and correct them to make up for the defects.Industrial chain financial innovation is to provide non-borrowing financial services for SMES within guarantee companies or related parties,optimize the capital routes of their upstream and downstream,industrial chain and ecological circle,and help SMES grow healthily.At the same time,the implementation of innovation strategy is ensured by strengthening the risk awareness of internal practitioners,scientific financing management decision-making,establishing risk identification,analysis and early warning system.