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The Research On Credit Risk Management Of Small And Medium Enterprise In Tangshan Branch Of H Bank

Posted on:2015-07-15Degree:MasterType:Thesis
Country:ChinaCandidate:H SunFull Text:PDF
GTID:2309330452459462Subject:Business Administration
Abstract/Summary:PDF Full Text Request
With30years of reform and opening up, small and medium-sized enterprises has become the important part of the national economy, which plays an important role in china’s economic and social development especially in economic boom, promoting innovation, export expansion and increasing employment.The development of small and medium-sized enterprises cannot be developed without financial support. The credit operations for financial support is an important aspect of the business of banks. To explore customer resources and provide new credit business are being new sources of growth for commercial bank with the growing number of small and medium-sized enterprises. The important issue to be studied is how to obtain double wins. In other words, the credit risk must be prevented, meanwhile the financing problem of SMEs can be solved and the business of commercial banks can be expanded.H bank is new in Tangshan, which don’t know too much about the situation of market. Therefore more attention should be paid to the prevention of credit risk as it develops new business of small and medium-sized enterprises. This thesis is based on the basic theory, introduced the concept of risk management and SMEs, explored the domestic and overseas development situation of credit risk management, and analyzed the risk cause. In addition, the credit business development status of H Bank Tangshan branch was specified. This thesis used a typical credit business of a medium sized enterprises as the actual case, analyzed the specific problems related to the business, and found that the loan enterprise has risk by post-loan supervision.Thus we considered the necessity to establish Logistic models and evaluate the risk of loan enterprise quantitatively, so as to uncover the root the problem and reduce risk. At last, this thesis summarized the suggestions of improving the credit system, risk control and optimizing the guarantee mechanism on the basis of the analysis of existed problem with the credit business and practical case of H Bank Tangshan branch.
Keywords/Search Tags:commercial banks, small and medium enterprises, credit risk, riskmanagement
PDF Full Text Request
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