Research On SME Credit Business Risk Management Of Jilin Branch Of China Construction Bank

China Construction bank as a large state-owned commercial Banks, in recentyears, the SME credit business development as a strategic business priorities.However, ther SME credit business management of "high risk" and the principle of"security" of commercial bank has bigger contradiction. China Construction bankof traditional business is to be"big industry and big enterprises", for the SMEbusiness time is shorter, the current business for the SME credit risk managementbasic execution with the big customer the same traditional management mode, toapply for a loan from the clients for the customer credit rating, the amount of credit,credit approval and post-loan management, risk classification and early warning, etc.No matter from the rating model, the examination and approval, to the post-loanmanagement, still not spun out of the big enterprise characteristics, proandbackcounter separate, human resource inputs,and bad loans control pressure isincreasingly prominent. Just to say, how to improve the efficiency of small andmedium-sized enterprise credit management, reduce the risk of lending to becomethe core of the construction bank management. the SME credit business riskmanagement is to determine construction bank smes credit business can be the keyto the healthy and sustainable development.In this article, through reference to domestic and foreign advanced Banks of theSME credit business risk management theory, technology and experience, theconstruction bank of all kinds of risk faced by small and medium-sized enterprisecredit business, puts forward the key risks of credit management, combining theconstruction bank in jilin province branch credit business risk management present situation analysis and evaluation, targeted to improve and optimize the SMEenterprise credit business specific countermeasures and measures of riskmanagement, one is the optimization of the SME credit business credit riskmanagement. Using the SME scorecard as internal rating tool, for the SME creditrisk measurement and assessment; Guarantee measures such as strengthening againstcollateral management, through all kinds of risks slow-release means to reduce thecredit risk loss; Optimization of the SME loan pricing management, to ensure thatthe income risk.2it is to improve the credit business operations in the riskmanagement. Perfect integration of credit risk management, risk management isintegrated into the credit management of the whole process, is applied to a singlecredit business risk management process of every aspect, such as credit investigation,credit evaluation (internal credit rating, credit due diligence), credit approval,post-loan supervision (including loan, bad assets management). At the same time,also is the cornerstone of portfolio credit risk management, thereby raising the levelof risk management in credit business. Third, we will improve the linkage system ofinternal control risk management in smes. Using batch processing of the SMEbusiness "credit factory" pattern, make more detailed loan management procedures,and draw lessons from the advanced experience of foreign Banks.At the same time, for the construction bank branch of jilin province the SMEcredit business risk management can be effective implementation, four aspects inthis paper to provide a guarantee. The first is to strengthen the construction of socialcredit system. Establish perfect policies and regulations system, promote themarketization of credit data, perfecting the credit evaluation mechanism, promote theconstruction of credit incentivemechanism; The second is to build a businesssupervision, incentive and punishment mechanism; The third is to set up professionalrisk management system; the fourth is to build a professional staff team.The research conclusion of this article, it is concluded that, to explore suitable for small and medium-sized enterprise credit business risk management mode,improve the management level and service level, reduce cost and control risk,strengthen the construction bank branch of jilin province the SME credit businessrisk management level has a certain significance.