Research On L Rural Commercial Bank's Risk Management Of SME Loans

Inclusive finance has become China's national-level strategy.The key issue is how to do a good job of financial services for SMEs.This issue has become a key point restricting China's economic development.SMEs have made tremendous contributions to the country's economic development,including solving a large number of jobs,promoting industrial change,driving regional economic development,and creating economic growth.In recent years,the economic downturn is obvious,and SMI loans have a greater risk.Therefore,the financing channels for SMEs are narrow,and it is increasingly difficult for enterprises to obtain credit funds.This has greatly restricted the development of SMEs,difficulty in financing,and expensive financing.Urgent need to resolve.Banks are special institutions for operating risks.In order to obtain higher profits and stabilize the financial order,it is necessary to do a good job of risk management while conducting loan disbursement.As a local financial institution,L Rural Commercial Bank plays a very important role in inclusive finance.In recent years,the rise of L Rural Commercial Bank's non-performing rate has exposed more loan risks,and it uses it as a research object to conduct loan risk management.Research is imminent.The main content of this article is based on the study of local rural commercial bank L Rural Commercial Bank as the research object,and the risk management system of SME loans as the research content.The risk management research is conducted from the operation process of the loan,from before the loan,during the loan,and after the loan Risk identification was carried out systematically in three stages.Eleven risk evaluation indicators were selected from three major aspects:the main borrower,the loan business and bank management.The risk evaluation index system for L Rural Commercial Bank's SME loans was constructed,and the fuzzy evaluation method was used.Evaluation of bank risks,combined with the risk identification of L Rural Commercial Bank's SME loans,proposed measures to strengthen the customer's first source of repayment,the use of IPC micro and micro loan technology,and strengthen external cooperation to reduce the overall loan risk.The essence of bank operation is to maximize the benefits in the context of operating risks.From the perspective of maximizing profits,risk management has become a top priority.The significance of this article is that through the research on the risk management of L Rural Commercial Bank,actively explore ways for local financial institutions to prevent risk management of SME loans,and dynamically control credit asset quality and risk indicators to ensure asset security after business.Through research,it can not only enrich the relevant theories,but also improve the credit risk management and control ability of L Rural Commercial Bank's SME loans,and provide certain reference significance to other similar banks.