Research On Small And Medium-sized Enterprise Credit Risk Mannagement And Operation Mechanism

Modern economy is not only a market financial economy, but also a kind of crediteconomy.“People without integrity can’t stand”. In the increasingly complex internationalenvironment and fierce competition modern society, the credit has become the more andmore scarcely valuable resource. However, in recent years, with the deepening of reformand opening, the money becomes the only object of people chasing. For more money,people lose morality and use illegal means of deception and deceit. Because of the actionwe have lost more credit value. The small and medium-sized enterprise is an important partof national economy. They are the number of accounts in the economic market, offer a lotof jobs and pay many taxes.The healthy development of the national economy needs the healthy and stabledevelopment of the small and medium-sized enterprise. To follow the development of smalland medium-sized enterprises, it can affect the stability and health of the national economy.At present, the development of small and medium-sized enterprises is facing many variousconstraints, such as financing constraints and the lack of credit. And all of these restrict thesmall and medium-sized enterprises’ health development. The credit risk management is themost important priority among these. It is directly related to the real interests and the futuredevelopment of these enterprises. Therefore, how to guard against credit risk, credit riskidentification, control credit risk and credit risk management becomes the enterprise shouldpay more attention to the problem. This study is also the starting point.First, this paper discusses the relationship between the credit risk of medium andsmall-sized enterprises and enterprise’s market competitiveness from the aspects of theresearch background, significance, method and structure. Then, this paper points that creditrisk in this environment. And according to the relevant data summarize the problem andreason faced in the development of credit risk management of small and medium-sizedenterprises in China. Finally, it puts forward some solutions to related problems, and lead tothe research on SMEs credit risk management theory and practical significance. This paperbriefly introduced the origin of thought and this sample data, finally introduces thedeficiencies of this paper possible innovative points and research, expectations for thefuture research and provide a reference.