Research Of Rural Commercial Banks On The Small And Medium-Sized Enterprises Credit Risk Management

Since the reforming of the economic system, the status and role of the small andmedium-sized enterprises in the national economy and social development is being increased, and the small and medium-sized enterprises have gradually become the main motive force for sustainable economic growth. Recently,the small and medium-sized enterprises credit business is more and more valued by rural commercial banks, and it has been increased in the proportion of the overall credit busniess. Now,it has been become a new profit growth point。However,as a result of information asymmetry,poor risk—resisting ability, imperfect risk management system and other factors, the small and medium-sized enterprises credit risk is being exposed and non—performing rate goes on increasing. Therefore, in the development of the small and medium-sized enterprises credit business, at the same time, it is necessary for rural commercial banks to deeply study the small and medium-sized enterprises credit risk management.Standing on the point of rural commercial banks, the author sets out from the significance of national economic development and banks’development to the small and medium-sized enterprises, applies information asymmetry theory.credit ratiomng theory and transaction cost theory to analyse the essence of the small and medium—sized enterprises credit risk, combines with the author working many years at the small and medium—sized enterprises credit risk management in rural commercial banks, inquires into some existing problems and solution strategies in the small and medium—sized enterprises credit risk management. The main problems existing in the small and medium sized enterprises credit risk management for rural commercial banks are tthe business features of small and medium enterprises, information asymmetry,imperfect risk management system,lagged risk management model; Secondly,through an actual case study,the entire process is detailly explored in the small and medium, sized enterprises credit business risk management; Finally,in order to reinforce credit risk management of the small and medium—sized enterprises, the author indicates that the small and medium—sized enterprises must optimize the organization structure of risk management in small and medium enterprises; promot the reform of credit business process; improve risk identification and management mechanism; the credit products should be innovated upon, develop healthy credit culture and strengthen information construction.