Research On Risk Control Of SME Loans In Hebei Bank S Branch

With the development of Internet finance and interest rate marketization,the direct financing channels of large and medium-sized enterprises are increasing,and the profit space of commercial banks is constantly shrinking.In order to ensure the stable development of commercial banks,more and more commercial banks begin to attach importance to small and medium-sized enterprises loans.The non-performing loan rate of small and medium-sized enterprises in commercial banks is high due to the influence of their own defects.So commercial banks must strengthen the research on the loan risk of small and medium-sized enterprises,grasp the problems existing in the control of loan risk of small and medium-sized enterprises in commercial banks by analyzing the influencing factors of loan risk.And it provides the basis for formulating the countermeasures and strategies for the risk control of small and medium-sized enterprises loan in commercial banks.Firstly,this paper analyzes the research status of commercial bank loan risk management theory,and studies the concept and characteristics of small and medium-sized enterprises,the classification and cause of loan risk of small and medium-sized enterprises,the content and method of loan risk management.Secondly,explore the influencing factors of loan risk of small and medium-sized enterprises in Hebei Bank S Branch,and construct the index system of loan risk evaluation of Hebei Bank S.Thirdly,the fuzzy comprehensive evaluation method is introduced to determine the weight of the evaluation index,and the loan risk of small and medium-sized enterprises in Hebei Bank S Branch is comprehensively evaluated Price.Finally,the paper analyzes the problems existing in the loan risk control of small and medium-sized enterprises in the S branch of Hebei Bank,and puts forward the measures to control the loan risk of small and medium-sized enterprises in the S branch of Hebei Bank combined with the influencing factors of loan risk.