The Research On XX Bank Jiaozuo Branch SME Credit Business Risk Management

The credit business is an important part in the survival and development of the banks and credit risks have also become the main risks. In2004,with the New Basel Capital Accord has implemented, which put forward higher requirements for credit risk management of commercial banks, so strengthen the management of credit risks are an important guarantee for safeguarding the safety and profitability of commercial banks. With the development of economy, the status of SMEs in the social life has obviously increasing. XX bank Jiaozuo branch regards SMEs as the main target in the credit business, but because of the internal risk management mechanisms are inadequate, which resulting in the credit risk is increasing, when the banks have developed their business.In2009, XX bank Jiaozuo branch has set up a "credit factory", the SMEs’loan number of customers have reached126by the end of2012, and totally provided187of loans and670.2million yuan to SMEs, SME credit business numbers have increasing quickly, but the mortgage and joint loan business have occurred non-performing loans, which is becasue of the following problems:firstly, due to the presence of bank-enterprise information asymmetry, resulting in the mortgage business acceptancesession, and caused the bank is unable to determine the authenticity of the information; not established a credit rating system for SMEs, resulting in inaccurate ratings; SMEs applying for a mortgage is difficult to provide collateral for bank lending requirements, so caused difficulties by implementing the way of loan guarantees; imperfect post-loan management could increase the risk of credit business; secondly, there is no reasonable access standards for the application of the operations about the joint loans and information disclosure mechanism is not perfect which caused the bank can not play a role in the longitudinal supervision; finally, the risk awarenss of staff in "credit factory" is weak, resulting in risk management "model" and credit business mass marketing.Credit risk management throughout the whole process of the bank management, and strengthen the SMEs’credit risk management is a systematic project, through the deeply analysis of the credit risk problems in XX bank Jiaozuo branch, to address these issues, from six aspects such as the establishment of SMEs credit rating system, innovative the way of security, strengthen the joint loan business risk prevention and training of personnel,"credit factory" mass marketing and the strengthening of the post-loan, based on these, which could provide practical measures about the bank’s risk management, improve the credit information database, select the credit rating index, optimize credit rating classification and establish an independent credit system and focus on the establishment of the SMEs’credit rating system, to complete the risk management of XX bank Jiaozuo branch and achieve comprehensive the risk management in lending to SMEs’business, to enhance the level of development of the SMEs’credit business and improve the safety purpose of the bank credit funds.