Research On Credit Risk Management On Small And Medium Enterprises In Putian CCB, Fujian Province

With the development of China’s society and economy, and the reform and opening up process pushing forward continuously, the small and medium sized enterprises play an increasingly prominent role in the national economy. Due to the characteristics of over a broad area and flexible mechanism, they have become an important pillar of the national economy.Finance is the core of the economy, and the bank is the core of the finance. With the rapid development of Internet finance and interest rate marketization, and the financial disintermediation continued to deepen, the competition of domestic commercial banks is more vigorously at present. Undoubtedly, the loan business of small and medium-sized enterprises has become the new market and new growth point for domestic commercial banks to expand their business. However, a large number of small and medium-sized enterprises exist some shortcomings and defects, such as financial management system is not sound enough, management level needs to improve, financial strength is not strong enough, the market competitiveness is weak. Especially in the complex economic situation and economic downward, the credit risk of small and medium-sized enterprises is more worthy of our attention. How to develop the small and medium-sized enterprises credit business effectively, and ensure the safety of the money back, is worthy of our in-depth study.Fujian is one of the largest province that private economy develop smoothly in our country, and the small and medium-sized enterprises are in the high proportion of its economic structure. Putian as one of the focus cities on the development in Fujian province, the small and medium-sized enterprises have become an important propelling engines of the local social and economic development. Based on the summarize of related theory and literature, this paper analysis the current developing situation and characteristics of the small and medium-sized enterprises in Putian city, and study the causes and characteristics of the credit risk of them, expounds the measures and its problems of managing the credit risks of small and medium-sized enterprises in Putian CCB. Then we put forward some suggestions on how to strengthen the prevention of controlling the credit risk of small and medium-sized enterprises, in order to make contribution to enhancing the level of commercial bank credit risk management and promoting the healthy development of the small and medium-sized enterprises in our country.