The Research Of H Bank’s Small And Medium-sized Enterprise Credit Risk Management And Case

During the 1990s, China began to develop the socialist market economy. And until now a relatively complete system of market economy has been established. Along with the economic development of China, the small and medium-sized enterprises (SMEs) have become the core role in economy. However, SMEs financing scale is small, mostly because of poor credit standing itself, high business risk, high operating costs, low profitability, information asymmetry, and lack of guarantee measures. In recent years, China has been actively supporting the development of SMEs through various preferential policies. But, the status of big financing difficulties and high financing costs in SMEs, which is caused by high financing risks, remains unchanged.Firstly, for commercial banks to SMEs credit risk management status is analyzed, and described in detail for small and medium-sized enterprise defined standards and credit status, and further summarize the causes of the credit risk of small and medium-sized enterprises, which is a basic introduction of the credit risk of small and medium-sized enterprises of our country. Followed by the combination of personal working experience, analysis on the status quo of the H bank credit risk management, through an overview of the bank credit structure, discussed the bank to the small and medium-sized enterprise credit attitude and risk control, have a good grasp of the basic situation of the credit risk management of small and medium-sized enterprises. Then from the reality, the H bank credit cases to make a detailed analysis, so as to explore the H banks in the credit business process problems. Finally, from the case, the H bank SME credit risk management strategies for SMEs to put forward effective solutions to credit risk management.At present, SMEs financing in China is facing unprecedented severe challenges. Thus, it is of much practical significance and in line with the theme of the harmonious development of society to research on how the commercial banks effectively carry out SMEs financing. On the basis of the research on the SMEs credit management and with combinations of the current situation of the credit risk management of commercial banks in China, this paper puts forward the corresponding countermeasures and suggestions for the credit risk management of SMEs in China. Hope that this SMEs credit risk management research, in which H bank is taken for example and some own ideas are put forward, would improve the SMEs financing and promote the healthy development of SMEs.