The Research On The Risks Management Of The SMEs Credit Business Of SPD Bank Shenyang Branch

The small and medium enterprise has been an import and dynamic power in China’s national economy. The small and medium enterprises play an extremely important role in each economic activity whether in developed or developing countries. There are99.6%of enterprises belong to the small and medium-size category in our country and in recent years, these enterprises play a more and more significant in promoting the economic growth, creating job opportunities and facilitating the market prosperity and social stabilization.However, while the commercial banks are engaged in developing the business of giving credits to small and medium enterprises, we should not ignore the hidden risks at the same time. The defects of the SME itself form the restriction factors of commercial banks’giving credits business model and risk control&prevention. There are common risks have been a difficulty in commercial bank credit risk management for a long time.How two control the risk and at the mean time develop SMEs credits business healthily and orderly is one import major issue that each commercial bank should solve. However, the Shenyang Branch is located in an area where the local economic situation is ordinary; the SME clients are not very dynamic, and the credit environment is comparatively poor. These problems cause the speed of SEMs credit business development cannot meet the requirement of the headquarters and becomes one shortcoming of the management and development ofcredits business overall in Shenyang Branch. This problem has caught the attention by Shenyang Branch’s leadership and becomes one import work which needs to be solved as soon as possible. As a professional client-relationship manager in SME department of Shenyang Branch and also a graduating MBA student, I fell that it is my responsibility to solve the actual problem for my company through both theoretical and practical methods. This is also the target of training a MBA management staff. As a result, researching the risk management problems of Shanghai Pu dong development bank’s SMEs credits business is valuable and practical meaningful.I hope that thought my research and study,I may provide some reference frame for future work and leadership decisions.The thesis is divided into five parts. In part I, it is the foreword. In part II, it introduces the theory of the risks management of the SMEs credit business of commercial banks. In part III, it analyzes the status in quo of the risks management of SPDBSY’s SMEs credit business. In part IV, it brings forward the suggestions for SPDBSY to improve the risks management of the SMEs credit business. In part V, it is the tag.