A Study On The Risk Management Of Credit In Small And Medium Enterprises In Commercial Bank N

With the development of more than30years of reform and opening-up, our country has achieved rapid economic development and market economy has been gradually perfect, our country small and medium-sized enterprises enhances unceasingly,not only in quantity, also on the quality. Small and medium-sized enterprises play an important role in the national economy and promote social development is also growing,but funding financing difficult problem is still restricts the small and medium-sized enterprises to obtain greater development. In the process of the development of competition between banks is increasingly fierce, so for their own development and their credit assets safety,Commercial Banks should be reasonably adjust the credit structure,in order to meet the needs of the many small and medium-sized enterprises with have different characteristics,they should make different credit variety innovation. The full text is divided into six parts.The first part:Introduction. Briefly the research background and research purpose of this article, by reviewing the related literature at home and abroad, puts forward the main research contents and research methods in this paper.The second part:the Commercial Banks to small and medium-sized enterprise credit business risk management theory. Introduced our country commercial bank’s credit business and types, and through to the small and medium-sized enterprise credit business of commercial bank risk management theory, for the credit risk management of commercial bank N for further guidance.The third part:our country commercial bank risk management of small and medium-sized enterprise credit business methods. This part analyzed the commercial banks to small and medium-sized enterprise credit business risk management, the traditional way of and analyzes the small and medium-sized enterprise credit business risk management to the important role of the bank.The fourth part:Commercial Bank N to small and medium-sized enterprise credit business risk management approach. This is the focus of this article. In this part, first we describe the bad credit cases in commercial bank N of small and medium-sized enterprise credit cases are described, on the one hand, shows that small and medium-sized enterprise credit business risk is objective existence, on the other hand, it also suggests that the commercial banks to small and medium-sized enterprise credit business the importance of risk management; On this basis, analysis the commercial bank N credit risk of small and medium-sized enterprise business characteristics and the credit business risk analysis; Finally, from the credit customer access exit criteria, credit rating, credit assets risk classification and management,we analysis small and medium-sized enterprises of the Ncommercial Bank credit risk management methods, to find out the credit risk management problems in the commercial bank N.The sixth part:The summary of the whole article.Credit risk management as the core of the commercial banks to small and medium-sized enterprise credit business. Combining with the characteristics of small and medium-sized enterprises and the features of credit risks in China, in commercial bank N credit risk management of small and medium-sized enterprises as an example, aims at providing the actual situation of commercial bank N to seek suitable for its development, and meet the demand of different types of small and medium-sized enterprise credit risk management theory and method, we also hopes to other commercial Banks in China in the treatment of small and medium-sized enterprise credit risk management in order to provide the beneficial reference.