| Small and medium-sized enterprises play an important role in thesocial economy. Because of the credit risk of the small and medium-sizedenterprises is larger; the credit support for SMEs is relatively weak, and theso-called financing problem of SEMs appeared. In recent years, the SEMsfinancing problem has become a social concern and the regulators haveintroduced measures to support SMEs credit financing needs. At the sametime, because SEMs credit has a high rate of return, it has become theobject of banks scrambled. So, find out the reasons of SMEs credit risk,have important significance to manage the credit risk of SMEs.Firstly, This paper analyze SMEs credit risk theoretically, applicationinformation economics and incomplete contract theory, analyzes the causesof risks. Pointed out the reason of the credit risk is asymmetric informationleads to "adverse selection" and "moral risk". From three aspects of smalland medium-sized enterprises, the external environment, the bank, toanalysis the specific reasons of SMEs credit risk.Secondly, based on the descriptive the present situation of SMEscredit business of H branch. This paper makes an empirical analysis on themain factors influencing the non-performing loans. Analysis of therelationship between factors of small and medium enterprises, the industryscale and non-performing loans.Thirdly, make a detailed analysis of current situation of credit riskmanagement system of H branch of small and medium enterprises, Thesystem construction, the credit business process as well as SEMs creditrating. From three aspects of the system construction, the credit business process as well as SEMs credit rating, to find out the credit riskmanagement problems of H branch.Finally, on the basis of above analysis, this paper puts forwardsolutions and methods for the credit risk management of H branch. It ishelpful to improve the H branch of the SME credit risk management level,and has the vital significance to promote the development of SME creditbusiness. |
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