Analysis on the Causes and Countermeasures of Small and Medium-sized Enterprises' Business Risks in China's Commercial Banks

With the continuous deepening of market economic reform, small and medium-sized enterprises in China have become an indispensable part of the national economy, and its risk characteristics make it less able to withstand risks. For banks, the ability of risk management plays a crucial role. The information asymmetry, private lending and the instability of the domestic and foreign economic environment all contribute to the credit risk problem of small and medium-sized enterprises in China. This paper, from the perspective of commercial banks, analyzes and summarizes the causes of business risk of small and medium-sized enterprises in China's commercial banks, does research on the existing situation and problems, and puts forward suggestions and countermeasures.