The Research On Small And Medium-sized Enterprises’ Credi Risk Management

With the development of economic and the progress of the society, the status of small and medium-sized enterprises in the development of the national economy more important,in absorbing labor, promoting the market competition, to promote scientific and technological innovation and economic development and other aspects play irreplaceable role, and the growth of China’s GDP has great role in promoting, so small and medium-sized enterprises has become the main force of social development, the speed of the development of small and medium-sized enterprises or not, and whether the small and medium-sized enterprise is healthy and orderly development, has become a important factors affect the whole economic and social development. But it also exists many problems, such as single product structure, the financial mechanism is not perfect,personnel management chaotic and so on, according to statistics, China’s banks for the small and medium-sized enterprise loan support accounted for only 20% of all loans. Thus,enterprise scale, social contribution and financing amount does not match, there are many problems, small and medium-sized enterprises in terms of bank financing is still vulnerable groups, faced with difficulties in financing, financing your problem, but also restricts the healthy development of small and medium-sized enterprises. An important reason for banks to SMEs "credit crunch" is commercial bank to the small and medium-sized enterprise credit risk control problems, did not establish a set of mature SMEs credit risk management control system. This also directly led to the problem of financing of small and medium enterprises, the impact of China’s economic system reform process, exacerbated the difficulties of small and medium enterprises.In this paper, we first describe the domestic and foreign scholars and experts to the small and medium-sized enterprise credit risk research, foreign economists study earlier,the results are quite rich, from risk identification, risk assessment, risk control three aspects are summarized, but few foreign specialized for the study on the credit risk of small and medium-sized enterprises, domestic scholars to the small and medium-sized enterprise credit risk management to study more, mainly from banks, enterprises, social three aspects of research. Then to the small and medium-sized enterprise credit risk theory are described,and combined with asymmetric information theory, credit rationing theory, game theory three theoretical analysis of the causes of the credit risk of small and medium-sized enterprises, summarizes the reasons for the five aspects of asymmetric information between banks and enterprises, social credit system is not mature, small and medium-sized enterprise management is not standardized, the banking system is not perfect, net loan impact. In a bank, for example, relying on a real bank credit data, describe a bank the current scale of business, business structure, and analyses a bank credit asset quality,combined with the status quo analysis the a bank at present in the small and medium-sized enterprise credit risk management difficulties. On the basis of analyzing the present situation of A bank, it points out the problems existing in the system, the former, the loan and the approval of the A bank, and analyzes the causes of the problem. At the same time,learn from the experiences and practices of domestic and foreign commercial banks in credit risk management of small and medium-sized enterprises and in the analysis of the current situation of risk management of domestic commercial bank on the basis, summed up the enlightenment to other domestic commercial banks.By taking A bank as an example, combining with the domestic and foreign experience and practice, the countermeasures and suggestions for the credit risk management of commercial banks are put forward. Commercial banks should establish a standardized system for the development of small and medium enterprises, the development of credit system. Two is to sort out the process, strengthen supervision. Carding small and medium-sized enterprise credit operation process, the establishment of small and medium enterprises credit things to prevent the supervision system. Three is to optimize the approval, improve the standard. Perfecting the credit system of small and medium enterprises, improving the credit policy guidelines for small and medium enterprises. Four is to improve the institutional settings, improve staffing. Establish credit franchise organizations, improve the professional level of staff positions.