Study On The Countermeasures For Credit Risk Of Small And Medium-sized Software Service Enterprises

In recent years,government departments and The China Banking Regulatory Commission issued lots of policies which requiring commercial banks to strengthen credit support for small and medium-sized enterprises and high-tech enterprises.However,small and medium-sized enterprises are not perfect in management,financial standards,and high-tech enterprises lack of effective assets,risk of entrepreneurship failure is high,these characteristics demand commercial banks to pay more attention to their credit risk,when strengthen credit support for these two subjects.Small and medium-sized software service enterprises have both the main attributes of the above two subjects,Study on the countermeasures for credit risk of small and medium-sized software service enterprises is worth thinking.Firstly,combines the characteristics of small and medium-sized enterprises,this paper makes a brief analysis of the software service industry,summarizes the main characteristics,financial needs and main credit risks of small and medium-sized software service enterprises from the perspective of commercial banks.On this basis,this paper describes the countermeasures for credit risk of small and medium-sized software service enterprises bank R,in which the author works,takes in detail,and lists the model of customer admittance,model of credit rating,model of credit quota,model of management after loan.Then,combining with his own work experience,the author briefly evaluates the work that bank R did and puts forward the main problems in countermeasures for credit risk of small and medium-sized software service enterprises of bank R.Secondly,this paper points out that when comes to strengthen credit risk management of specific industries,more important,commercial banks need to focus on the development of the industry itself,pay more attention to the enterprise internal risk management,in addition to strengthen its' own risk management.Through a brief analysis of the current main stream of internal control and risk management theories,the author designed a set of questionnaires based on the enterprise risk management framework,and takes small and medium-sized software service enterprises of bank R as the main sample,investigates the present situation of internal control and risk management of small and medium-sized software services enterprises.By the analysis of 129 questionnaires took back,this paper summarizes the main problems of internal control and risk management of small and medium-sized software services enterprises,chooses the corresponding indicators of risk management,to optimize the models that bank R designed above,make sure these models fully considered internal control and risk management of the customers,to improve effectiveness of these models.This paper takes enterprise ABC as a typical sample to carry out practical tests on the above optimized models,and a more practical conclusion is drawn.Finally,this paper summarizes three specific suggestions for commercial banks for reference according to the main practices of bank R.