SME Credit Risk Management Of Commercial Banks B

China had a large number of small and medium-sized enterprises (SMEs), and they occupied a pivotal position in the country’s economic development, and particularly played an important role in promoting technical progress, improving the economic environment, creating job opportunities and increasing national income. In recent years, the SMEs faced a fund shortage problem. Meanwhile, difficult financing problem for SMEs had become an important bottleneck restricting its development.At the same time, along with the further narrow profit between depositing and lending, the fierce competition among commercial bank, the increasing financing channels for enterprises and financial disintermediation in the market, these factors leaded commercial banks to face unprecedented challenges in the market. In this economic situation, commercial banks must change the "credit crunch" attitude towards SMEs credit business, and then find, cultivate and develop SMEs with good credit standing. It’s clear that the research into risk management for SMEs credit business is positive.This article was divided into six chapters. Firstly, it described the background, the significance, the content and the research methods for this article, and then mentioned the current financing situation for SMEs in China, as well as the risk management theory of commercial bank credit business. Furthermore, it found many problems in the risk management for commercial bank B SMEs credit business, and put forward the strategy optimizing credit Risk Management for commercial bank B SMEs credit business in order to improve its risk management level. Finally, it summarized the conclusions of this article and looked to the future research directions.