C Bank's Risk Management Of Operating Loans To Small And Medium-sized Enterprises

China's commercial Banks have increasingly diversified demand for credit,which leads to the gradual expansion of commercial credit business from the initial working capital loan to fixed asset loan,bank acceptance bill,bank acceptance bill discount,stock pledge loan,foreign exchange pledge loan,syndicated loan and domestic factoring with recourse.It can be seen that the types and quantities of commercial loans are gradually expanding.Compared with other commercial Banks,operating loans of enterprises have the characteristics of large loan amount,decisive role in the overall loan quality of commercial Banks,scattered customers and relatively obvious risk points.Nowadays,small and medium-sized enterprises account for an increasing proportion of enterprises of all sizes,and their social responsibilities are becoming more and more important.Small and medium-sized enterprises play a key role in China's economic development,employment situation and scientific and technological development.With the increasing proportion of small and medium-sized enterprises in the market,the healthy development of business loans to small and medium-sized enterprises is related to the quality of business loans to commercial Banks,the sustainable and healthy development of commercial Banks and the healthy development of small and medium-sized enterprises.In this context,the risk management of operating loans to smes was discussed in depth from the perspective of C bank.In view of the C bank for small and medium-sized enterprises business loan risk management present situation and the existing problems,combining with the current our country small and medium-sized enterprises business loan business development present situation,to explore the C bank to carry out effective risk management of small and medium-sized enterprise business loan,so as to achieve the compliance management,as far aspossible to prevent the credit risks of small and medium-sized enterprise business loans,can make C bank sustainable healthy development finally.This paper adopts the methods of literature review,theoretical analysis and case analysis at home and abroad.Company D was selected as the subject of the case.From the perspective of the research ideas and methods,the general idea of this paper was determined to be the research route from top to bottom and from outside to inside.First,from the perspective of bank C,it analyzes the risks brought by the external environment of company D.It includes the risk analysis brought by macro factors and the risk analysis brought by industry factors.Then,analyze D company's life cycle and financial status from the outside to the inside.In this paper,the enterprise life cycle theory is applied to evaluate the life cycle stage of company D from four dimensions of start-up,growth,maturity and decline.At the same time,the financial analysis theory is applied in the study to examine the operation of company D from the perspective of accounting.According to the characteristics of credit,the indicators related to debt paying ability are selected for analysis,and the corresponding accounting basis is provided for credit granting.Finally,the information asymmetry theory is applied to make a detailed analysis from the information disadvantages of bank C and the information advantages of bank C.Through the analysis from the outside to the inside,it finds out the problems existing in the operating loans of C bank to the small and medium-sized enterprises of D company.Reflect on the problems in the process of C bank's credit granting to D company,so as to explore which factors are the key risk points affecting the current operating loans of small and medium-sized enterprises and propose corresponding solutions to the risk points.In addition to putting forward corresponding countermeasures,risk assessment was conducted according to the existing risk management problems in bank C,and reasonable Suggestions for risk management were put forward.It provides theoretical and practical basis for the peers in the banking industry to accept the risk management of operating loan business of small and medium-sized enterprises,which has certain practical and practical significance.