Zhengzhou Commercial Bank Credit Risk Control And Analysis Of Small And Medium-sized Enterprises

The traditional credit risk control system of the commercial bank has seriously limited the further growth and financing for the SMEs which need the more comprehensive credit risk control system in the commercial bank. Besides, the financial innovation and the industrial lifting have required a higher line for the credit risk control system in the commercial bank. The credit risk control of the SMEs has become one of the most important issues in the current time for the Zhengzhou Commercial Bank.The paper researches the credit risk control of the SMEs in the commercial bank as the core, take the Zhengzhou Commercial Bank as an example. The present condition of the credit risk management in Zhengzhou Commercial Bank, the problems in the control process as well as the reasons has referred in the paper. On the basis of the conclusion, the paper researches carefully the real condition of the credit risk management in Zhengzhou Commercial Bank, and proposed a more scientific suggestion to solve the problems.The SMEs credit scale of Zhengzhou Commercial Bank has characterized with the quick growth and stable tendency. What's more, the SMEs unhealthy credit asset tend to be a high level, and the lodging credit has been the main feature of the SMEs credit as well as the credit loan becoming higher. The credit risk management in Zhengzhou Commercial Bank precedes the two aspects as the path of the credit risk control and the process of risk regulation. In addition, the credit risk management in Zhengzhou Commercial Bank exist some problems which would like to have a bad influence from the efficiency of the credit risk control. There are problems such as the sense of the credit control weak, the impropriety of the decision mechanism of the Zhengzhou Commercial Bank. There are some causes of the problems that the credit risk management in Zhengzhou Commercial Bank cannot be able to weaken the operation risk, the moral risk and the information truth. Since then, the paper has proposed the innovative credit risk system of Zhengzhou Commercial Bank with the way of the process regulation and the system construction, in order to strengthen the efficiency of the credit risk of the commercial bank.