Credit Risk And Management Of G Bank Small Business Credit Business

The theoretical knowledge of game theory, financial risk, supply chain, finance, group lending, analyzing the characteristics of small business credit business, demand characteristics, financing status, bank credit support, summed up the causes of difficulties in financing small businesses. Financing small businesses because small businesses small scale, efficiency and unstable, bad own operating conditions, the financial system is not perfect, poor management, weak anti-risk capability impact is difficult to form the attraction of credit funds, and because the information asymmetry caused by adverse selection, moral hazard, resulting in the banks’ cost increases, resulting credit ratio.Based on the analysis of small enterprises at home and abroad on the calculation of credit risk management, credit risk limits of small enterprises credit risk mitigation, optimization, and puts forward the credit risk control of credit business of small enterprises measures in business innovation based on. One is the discussion on the transverse control risks group lending; two is the information flow and cash flow as a risk control of the whole supply chain finance.The article is divided into six parts, the first part is the introduction, mainly expounds the research background, research purpose and significance, research ideas and methods. Based on the literature review, the credit risk of domestic and foreign enterprises to control objective review, summarizes the important points, the study is from the main theory and basic methods; the second part is "overview of credit risk theory of small business credit business". Briefly introduces the connotation and characteristics of small enterprises, the connotation and characteristics of credit risk, credit risk management theory; the third part is "analysis" G bank small business credit risk, introduces the current situation of G bank, the credit risk in G bank small business, analysis of the causes of the credit risk in G bank small business credit business the fourth part "; G bank small business credit risk control" analysis of the causes of credit risk management in G bank small business credit business credit risk management present situation and the G bank small business credit business, the problem; in the fifth part based on G risk management for SMEs credit business problems, and puts forward measures of credit risk management G bank small business credit business; at the end of the sixth part is based on the study on credit risk control of G bank SME credit business operation research conclusion and future prospect.