China Construction Bank A Branch Credit Risk Management Of Small And Medium-sized Enterprise

In recent years, the SME credit business has gradually become the focus of commercial banks of China strategic business plate. The SME credit business loan rate of return is higher than the average level, and the number of customers is numerous, commercial banks compete for the sustainable profit growth; at the same time, along with the national government to support the policy of small and medium-sized enterprises increasing, index evaluation credit support to small and medium-sized enterprises of commercial bank also faces the external supervision mechanism including local government the. Therefore, the commercial banks in our country, vigorously develop small and medium-sized enterprise credit business, cultivating and consolidating bank credit customer base, improve the level of profit, support small and medium enterprises bigger and stronger,Not only reflects the state of the macro financial policy, it is an inevitable choice for commercial banks to achieve sustainable and healthy development of the. However, due to the small and medium-sized enterprises at the present stage of information asymmetry, irregular management, weak anti risk ability, the probability of default is relatively high, the bank credit business are relatively large system risk, credit risk management has many difficulties and contradictions. Therefore, do a good job in credit risk management has become the key of the current our country commercial bank SME credit business success.In this paper, the Construction Bank A branch as the research sample, analysis of the risk situation and defect management of small and medium enterprises credit project, problem is the lack of mature credit risk management system, in view of the small and medium-sized enterprise credit risk control consciousness, the concept of risk control problems, risk identification and control method is single, credit variety structure is not reasonable etc.. Through the existing process of small and medium-sized enterprises actual case analysis and summary of the A branch of China Construction Bank credit project risk management practice in the gap in this paper. Aimed at the problem, this paper presents an improved method and feasible method, to further establish and perfect the system of scientific risk management of small and medium enterprises credit project.This paper mainly elaborated from the following six aspects:The first chapter: introduction. Mainly on the research background and significance, this thesis and reviews the relevant research results at home and abroad, this article puts forward the main research contents and research methods.The second chapter:the basic theory of credit risk management of the project. The whole process of credit business as a project, the definition of credit risk management and related theory are introduced in this paper.The third chapter:the small and medium-sized enterprise A branch of China Construction Bank credit business and risk management status. The general situation of small and medium-sized enterprises mainly introduces the A branch of China Construction Bank credit business, main problems and causes existing in risk management.The fourth chapter:Research on risk management of small and medium-sized enterprises in China Construction Bank A branch credit project. Through risk identification, risk analysis, risk planning, risk tracking, risk control and other means and procedures, the establishment of risk management process and standard operation management to control and guard against and defuse the risks to.The fifth chapter:the A branch of China Construction Bank to build and improve the SMEs credit risk management system. In the preceding chapters of credit for small and medium-sized enterprises in the project risk management problem, the organization construction, optimize business processes, improve the early warning tool, strengthen product use, strengthening the construction of talent team, credit credit project processes and risk management mechanism and other aspects of the measures, establish the scientific risk management system.The sixth chapter:conclusion and prospect. And the countermeasures and suggestions mainly summarizes the arguments and the A branch of China Construction Bank should improve the credit risk management of small and medium sized enterprises.