22. SME CREDIT FINANCING IN COMMERCIAL BANKS TALKING CHINA MERCHANTS BANK AS AN EXAMPLE
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At present, China's social economy is undergoing rapid development. Under this circumstance, enterprises have also been greatly developed. Similarly, enterprises have also made important contributions to the development of the national economy. The proportion of small and medium-sized enterprises is greater than 94 % of all types of enterprises in China. China's socio-economic development has also played a role in promoting this, which cannot be ignored, and it has also allowed the government to continue to increase the degree of emphasis on SMEs.This article first introduces the concept of risk control for SMEs and commercial banks, and elaborates the current control methods for loan risk control in commercial banks, as well as the characteristics and risk types of SME credit. Then on this basis, by analyzing the actual situation of the development of SME loan business of China Merchants Bank, the problems existing in the emerging stage are mentioned. In response to these problems, combined with the actual situation, put forward targeted solutions, such as strengthening the application of big data, opening the national taxation system to commercial banks, and optimizing the approval process.
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เนื้อหาและข้อมูลในบทความที่ลงตีพิมพ์ในวารสารวิชาการวิทยาลัยสันตพล ถือว่าเป็นข้อคิดเห็นและความรับผิดชอบของผู้เขียนบทความโดยตรง ซึ่งกองบรรณาธิการวารสารไม่จำเป็นต้องเห็นด้วยหรือรับผิดชอบใดๆ
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