Research On SMEs' Credit Risk Management Of Bank Of Changsha

In recent years, Bank of Changsha responds to the national summons in credit operations of small and micro businesses, and contributes to the development of small and micro businesses, however, there exists the problem in credit risk management, which is not good for long-term growth. So, on the basis of theory and experience, the paper constructs a complete system of credit risk management, which not only meets the characters of small and micro businesses, but also conforms with the situation of Bank of Changsha.The paper firstly reviews the literature on credit risk management of small and micro businesses, and combs through advanced means at home and abroad, secondly, through understanding the current situation of Bank of Changsha about credit risk management, we find out problems and analyze the reason; then, based on this, the paper optimizes the system, which primarily includes:improve the pre-loan management, let the loan affirmed and strengthen Post-lending Management.Our research improves the Bank of Changsha credit risk management level, which is very helpful in dealing the problem of financing difficulties and realizing long-term stable development for small and micro businesses, meanwhile, it provides a reference for other commercial bank in optimizing credit risk management of small and micro businesses.