中小企业信贷审查的重点环节和风险控制——山东××电气公司信贷案例分析.pdfVIP

0座机电话号码刘刚 中小企业信贷审查的荤点环节与风险拧制 ● ——山东XX电气公司信贷案例分析 Abstract With the ofeconomicmechanismofsocialismand the improvement participating are and inChina．Itisof WTO，therechallenges opportunity greatmeaning tocommercialbanksinChinathathowto credit and develop control marketing thecreditriskatthesametime． Smallandmedium in Chinahave sincethe enterprises developedveryquickly of since the1990s．Smallandmedium have openingChina，especially companies becomethemost andactiveof power Chinese has necessary part economy．It become to creditmarket ofsmallandmedium while possibledevelop companies these inscaleandmore theother companiesgetlarger profitable．On hand， when have so largecompanies credit creditrisk acquiredmany loans，the concentratestothese is smalland companies．Itverydangerous．Profitable medium effective to enterprisesprovide creditrisk．But approachdisperse the suchas lowercredit problems consciousof level，lacking andconfusionoffinancial self-accumulating thatexistinsmall ■ management andmedium are companiesvery newriskto popular．Theseproblemsbring commercial becomes banks．Hence，thestudy thathowcommercial verymeaningful bankscontrol creditriskwhen smallandmedium they customers． develop Theloanbusiness conditionandcreditriskinsmallandmedium companies havebeen inthis thesame deeplyanalyzedpaper．At creditrisk time，major factorshavebeen summarized．Thesefactorsincludeinformation dissymmetry， transactioncostandlow high creditlevel．Somemethodshavebeenforward put tosolvethese problems．Thoseare industryanalysis，management evaluating， internal control，financial condition and appraisal enterprisegrowth this ● analysis．Inpaper，some havebeen forwardthat suggestionsbrought loan business shouldbe tomeetthe process reengineeringneedofsmallandmedium enterprises．Acasehasbeenusedto practical the ofthecredit provevalidity risk methods．Atlasta controlling conclusionhasbeendrawnthatthecredit riskcanbecontrollediftheinformation canbesolvedthe dissymmetry by methodsthathave been forwardinthe pu