Research On Small And Medium Size Enterprises’ Credit Risks Of Jinzhou City Rural Credit Cooperative Association

In recent years, the active market economy provides enough development space for small and medium enterprises, at the same time, credit business of these enterprises can not only help banks to get high profits, but also help the bank to control risk. So commercial Banks gradually focus on credit business of small and medium-sized enterprises. If we can control the risk of loans for small and medium-sized enterprises, small and medium-sized enterprises can adapt to the macro environment to protect bank funds, what′s more, enterprises can go on normal production operations and give impetus to the development of credit business. If commercial bank strengthen the control of small and medium-sized enterprise credit risk,not only the concept of scientific development can be effectively implemented, but also commercial banks can achieve sustainable development. Supporting the development of small and medium-sized enterprises is always the key point of the Jinzhou rural credit cooperatives, but the credit risk has always been a severe challenge of Jinzhou cooperatives, Jinzhou cooperatives need to overcome this problem as soon as possible. Jinzhou rural credit cooperatives should establish an effective credit risk control mechanism inside the bank, in order to provide credit services for small and medium-sized enterprises, and promote the development of Jinzhou city medium and small businesses.Based on the present situation of credit risk, we evaluate the small and medium size enterprises’ credit risk of Jinzhou city rural credit cooperative association, Analyze the credit risk from the angle of theoretical analysis and empirical analysis, explore countermeasures and Suggestions for improving the management level of controlling small and medium size enterprises’ credit risk of Jinzhou city rural credit cooperative association. The main contents are as follows:Chapter one is introduction, it introduces the background, significance, methods and new ideas, theories and interrelated researches of industrial ecology of the paper.Chapter two is theoretical analysis,Based on introduction the development of Jinzhou city rural credit cooperative association,analysis about the present situation of Jinzhou rural credit cooperatives small and medium-sized enterprise credit risk, the paper finds out the problems existing in the small and medium-sized enterprise credit risk control.Chapter three is the empirical analysis. With the principles of index system building, the selects reasonable indicators, and constructs small and medium-sized enterprise credit rating model. Finally we get Credit rating on pharmaceutical co.LTD.Chapter four is countermeasures and suggestions. Based on theoretical analysis and empirical analysis above, the paper puts forward countermeasures and suggestions on improving small and medium-sized enterprise credit management level.Chapter five is the conclusion.