The Line Of Credit Risk Management In SME Of CEB Bank Suzhou Branch

The Small and Medium Enterprise (SME) is an important part of the national economy. Located on high developed Yangtze River Delta, Suzhou owns over five hundred and twenty three thousand SMEs by December of 2010. These SMEs have contributed to 90% of the city's GDP,60% of the tax income and 85% of the employment. Thus the SMEs have become the feature and advantage of Suzhou's economy and they are playing an important role in promoting Suzhou's economic prosperity, adjusting the industrial structure, increasing the employment and pushing forward Suzhou's market economy construction. CEB Bank Suzhou Branch is located on developed Yangtze River Delta, and supporting the SMEs' development is not only the main point of adjusting the bank's credit assets structure, but also is the main growth point of the bank's profits. How to strengthen fund support to SMEs, under the premise of efficient risk management, has become a practical issue of CEB Bank Suzhou branch's risk management.As the SMEs commonly have problem of high management risk and low managing personnel quality, thus CEB Bank Suzhou branch is faced up with higher credit risk when granting credit to the SMEs. This thesis analyzes CEB Bank Suzhou branch's present situation of the Line of credit risk management in SMEs' credit granting process; and based on the practice for development, it illustrates the necessity for strengthening the Line of credit risk management in SMEs'credit granting, and puts forward related policies to improve the Line of credit risk management, In order to carry on the policies efficiently, the author puts forward countermeasures from following aspects:establish risk management organization for credit granting business, carry out performance evaluation mechanism for risk management in SMEs' credit granting business, accelerate the squad construction of talented credit reviewers, speed up the platform construction of information technology system and so on.