Risk Management Of Small And Medium Enterprise Credit Business In Commercial Banks Under The Economic Downward Pressure

An increasingly important role is played by SMEs in our economy, so in order to broaden the market and seek more stable returns on the investments, commercial banks are bound to regard the SMEs’ credit market as an importantly developing area. Bank is a special enterprise operating currency businesses, so it must be faced with various types of risks, particularly credit risk. Combined with unique characteristics of SMEs. the credit risk of SMEs is more difficult to control. There is no doubt that to enhance the credit risk management of SMEs will not only affect the banks’ business performance and competitiveness, but also be related to the security of bank assets.Firstly theory of economic cycle, economic cycle and credit risk, credit risk theory, modern credit risk measurement model carries on the elaboration and the analysis, on this basis, the risk management of the credit business of small and medium-sized enterprises in the economic downturn environment was analyzed. And through research on small and medium-sized enterprises of our country commercial bank credit risk management development course, summarizes the cause of China’s commercial banks to small and medium-sized enterprises credit operational risk, including the factors of macro environment, small and medium-sized enterprises and commercial banks. Also pointed out that the commercial banks to small and medium-sized enterprise arisen several reasons:information asymmetry arising from the credit decision-making mistakes; SMEs as a second source of repayment guarantee is not strong; commercial banks, large base of ideological cause concentration risk; credit professional quality is not high; credit risk pre blurring of vision mechanism is not perfect. Aiming at the above problems, hope to be able to through the improvement of SME customers decision-making mechanism, improve the SME customer credit rating system, perfect the construction of the internal control system, improve risk warning and prevention mechanisms, strengthen team of talent development to strengthen the risk management of SME credit business.Finally, in the induction summarizes the commercial bank credit risk management in small and medium-sized enterprises ideas and measures, the application of "big data" in credit risk management slightly involved. As a leading symbol of the development of the times of the technological revolution, big data will completely change the credit risk management of commercial banks, improve the core competitiveness of commercial banks, provide to the bank’s massive data mining, of SME customers financial behavior data were collected through, short-term, medium-term and long-term forecasting of the, realize the management of credit risk in the chest clear.