Research On The Risk Management Of Small And Medium-sized Enterprises' Loan In C Branch Of Chengdu Rural Commercial Bank

With the acceleration of globalization of economic development,China's economy is developing more and more rapidly,and the characteristics of marketization are becoming more and more obvious.The development of small and medium-sized enterprises plays a very important role in the economic development of our country.It has gradually become an important factor to promote the development of our national economy.As the small and medium-sized enterprises' own funds are limited,the demand for funds is relatively urgent.In the existing financing system of our country,obtaining loan funds through commercial banks is still the main financing channel for small and medium-sized enterprises.Because of the small scale,the nonstandard internal management,the poor ability of resisting risks,the internal factors of the bank and the factors of the national policy,etc.the difficulty of financing becomes a big problem on the way of the development of small and medium-sized enterprises.Although a series of relevant policies and systems have been issued to guide and promote the development of small and medium-sized enterprises,the current situation of small and medium-sized enterprises loans faced by commercial banks is still not optimistic,the non-performing loan ratio is still high,and commercial banks are still cautious about the loans of small and medium-sized enterprises.The loan business policy and risk management method of commercial banks will indirectly have an important impact on the development of small and medium-sized enterprises,so the study of loan risk of small and medium-sized enterprises has become an important topic that commercial banks must pay attention to.It is an important topic for commercial banks to study the loan risks of small and medium-sized enterprises.How to effectively carry out the loan business of small and medium-sized enterprises,how to reasonably explore the causes of loan risk of small and medium-sized enterprises,how to effectively carry out loan risk management of small and medium-sized enterprises,has become a more and more important problem for commercial banks.At present,many commercial banks have begun to study and analyze the loan situation,loan risk and risk factors faced by small and medium-sized enterprises,so as to sum up how to effectively prevent and manage the loan risk of small and medium-sized enterprises.Based on the background of the above research,this paper writes on the basis ofcombing the Chinese and foreign research documents.First,this paper introduces the loan situation of small and medium-sized enterprises and the related concepts of loan risk management.Then it introduces the present situation of loan risk management of small and medium-sized enterprises in the C branch.This paper analyzes the existing problems of the management of small and medium-sized enterprises in branch C from three aspects:external environment,enterprise risk,internal factor of the bank and so on.Finally,a management strategy to deal with the risk of small and medium-sized enterprises is put forward.Finally,it draws a conclusion: It hopes to put forward some suggestions for the effective financing of small and medium-sized enterprises and the risk prevention of commercial banks.It is also hoped that commercial banks can attach importance to the loans of small and medium-sized enterprises,apply the theory to practice,strengthen the risk management theory,and verify the theory of risk management in practice.At the same time,I hope to promote the development and growth of small and medium-sized enterprises from the aspect of bank financing and promote the further development of market economy in our country.