Study On Control And Strategy Of The Credit Rish Of Small And Medium-sized Enterprises At Shannxi Branch Of C Bank

SMEs in China's economy more and more important role, so China's commercial banks need to SME credit markets as an important area of development, in order to gain a wider market and more stable returns and a broader customer base. Money Bank, as the special operations companies face various risks in the business, particularly credit risk, due to the unique risk characteristics of SMEs, making more difficult to control the credit risk of SMEs. Strengthening SME credit risk management, not only affects the bank's business performance and competitiveness, but also the relationship between the safety of bank funds and even its survival. Therefore, this study has important practical significance.In this paper, based on credit rationing under asymmetric information theory, relationship lending and SME credit, credit risk control and risk management of SME credit and related literature, according to "ask questions-Analysis-solve the problem" ideas, Shaanxi Branch of the C line of credit risk management strategy for SMEs issues.Analysis that, C-line Shaanxi Branch of SME credit risk management of the main problems are:credit risk management system is not perfect, especially the lack of a suitable credit risk characteristics of SMEs, including from risk assessment, risk ratings to risk early warning advanced methods of SME credit risk management system, the methods of scientific risk assessment of SMEs, a single type of credit, lack of credit check system, resulting in a long process of SME credit, low efficiency, operational risk, control, low management costs Higher number of problems. Therefore, for the C line of the above issues Shaanxi Branch to develop SME credit risk management strategy principles and system functions, and proposed management strategies to implement the protection strategy:re-structure of credit for SMEs, SME credit business process reengineering to improve Credit rating of SMEs, innovative financial products for SME credit and establish a sound risk management and control mechanisms.In this paper, based on the classical theory, the author of the concrete practice of their enterprises, the integration of Western SME credit risk management experience, Shaanxi Branch of the C line of credit risk management for SMEs project in the hope of real bank credit to SMEs provide useful risk management advice and reference.