Sme Credit Risk Management Studies

With the rapid development of Small middle Enterprise,Gradually expand the number and scale ,Economic and social development in the status and role in the growing.it Has become the promotion of sustainable, healthy and rapid development of our economy an important force.middle Small Enterprise Credit risk management is both a modern commercial bank risk management, the core content and subject of the eternal.Banking sector credit to middle Small Enterprise is also gradually increasing running.The impact of the global economic crisis,China's exports by a larger impact,For many SMEs rely on external demand ,Situation is not optimistic.Central authorities have introduced a series of related policies and measures To help survive , it achieved some results.working capital Dependence on foreign enterprises is generally higher.Serious problems affecting their financial ability to continue as a going.Some of China's small enterprises are less competitive market Weaker demand in the international market this year Rising labor costs RMB appreciation and the multiple difficulties in financing and other factors influence, facing Production and management challenges,Reduce the financial strain of anti-risk ability of small businesses,This article has chosen is closely related with the bank credit risk for SMEs ,In conclusion, the credit risk of commercial bank management theory,SME credit risk with the current situation and characteristics of Indicators of credit risk on the establishment of SME credit risk of the BP neural network model for the empirical analysis.Discover credit risk management to adapt to commercial banks, the method has practical value.This article reads as follows:The first chapter is an introduction,After a brief introduction based on the current situation of SMEs in China.Detailed background and significance of this research Domestic and international literature review on the credit risk.And research ideas and structure of the research methods and innovations.The second chapter is an overview of the theory of credit risk for SMEs. The connotation of credit risk,Credit risk characteristics and SME credit risk and Its Cause,Commercial Bank of SME credit risk management process, describes the status of SME credit risks and the reasons and the commercial banks of credit risk management process.ChapterⅢis a commercial bank's credit risk assessment model,In analyzing the definition of credit risk assessment and credit risk assessment based on the significance .RiskCalc banking industry and Credit Monitor, KPMG's risk-neutral pricing model and the analysis of mortality model And a representative model of credit risk assessment model CreditMetrics, CreditRisk model, Credit Portfolio View of credit risk models, KMV model.Chapter IV is based on BP neural network model of SME credit risk model and its empirical .study Section of a brief description of selected samples.Section on indicators of credit risk of SMEs from the financial position and the angle of non-financial indicators of a detailed analysis.Section III on the selected indicators of credit risk sample of descriptive statistics, univariate T test samples obtained current ratio, with the level of market share, interest coverage, total assets, total assets, net profit, the main Revenue growth, cash flow to debt ratio, other comprehensive business credit risk of credit index has significant differences.Section IV of the BP artificial neural network approach to a brief introduction, and then create BP artificial neural network model andthemodelpredictionstotest.ChapterVIistheconclusionandrecommendations.Perspectiveofcommercialbanks,Respectively, from the Government, the SMEs themselves, to provide three levels of commercial bank loans The credit risk on the management of relevant policies.Strive to achieve banking financial institutions to SMEs efficient management of credit risk.SME credit risk mitigation arising due to the problem of financing,Help the government to encourage and support the development of SMEs,To the government, banks, businesses win-win situation between the three.