The Research Of Risk-based Loan Classification Management For Credit Minor Enterprises Of NBCB

In recent years, small and medium-sized enterprise credit business is the developing direction of thecommercial banks. It brings much more profits for them, at the same time, because of its small scale, lowinformation transparency and nonstandard financial data; it needs to be reinforced by them. How to through theway of post-loan management to reduce the probability of problem assets, is a new study for the commercialbanks to solve urgently. To solve this problem, it will make an important significance to establish and perfect riskmechanisms and improve the competitiveness of commercial banks as well.This paper selects Bank of Ningbo as the main research object. Based on the analysis of loans riskclassification, through a large number of small and medium-sized enterprise credit evaluation and summarizeddata, it puts forward improvement of the assessment mechanism, which combines with internal and external othercredit management system. According to the classification results, it will divide into five types with the degree ofrisk from large to small and provide the different types with different recommendations. This paper mainlyanalyzes problems of post-loan management in the Bank of Ningbo. Through perfecting the bank credit customerclassification, it provides rules of management classification for the bank to enhance risk control ability overall. Inaddition, it will provide theoretical support and intelligence assistant with dissolving the credit risk for thecommercial banks under the background of financial globalization.