The Research Of The China Communications Bank Of Hunan Branch Credit Risk Management Of Small And Medium-Sized Enterprise

The minor enterprises play an important role in promoting the economic development, improve the employment rate, economic system reform, technical innovation. Now China is striving to develop the non-public ownership economy,while the minor enterprises are the main body of the non-public ownership. The policies carried out by governments at all levels devote great effort in support the minor enterprises and their finance, solving the problem of equity trading. Bank financing is the main channel of the outside equity trading for the minor enterprises.Within more than one decade development, all the domestic commercial banks have the complete structural system of risk identification, risk control and risk management.In recent years, the market competition between the banks turn white-hot. The intension of the credit scale makes all the commercial bank expand the credit business for minor enterprises, digging the resources of clients like minor enterprises. Credit business for minor enterprises has become the new increasing point for all the banks.This article takes the Hunan Branch of Communication Bank of China as the object,by collecting the related literature review materials, know and master the development history of the domestic and overseas minor enterprises credit management. Fully analyze the macro and micro environment the minor enterprise credit business is facing by PEST analysis model and the five-force model. Acquire the present situation of the credit business of Hunan Branch of Communication Bank of China by SWOT analysis method. Through the practical observation of the author,he thinks that staff quality, process management, risk management, credit culture are the main problems existing in the minor enterprise credit risk management of Hunan Branch of Communication Bank of China at present stage. This article has raised the optimization strategy in system and industrial risk management, pre-investigation and credit extension management, product combination and cash flow management, credit period and mode of payment management, management after loan and risk pre-warning management, credit structural adjustment and withdrawal mechanism management, upfront conversation mechanism and field visit mechanism management and double condominium.The conclusion of this article completely expound the development process and trend of the minor enterprise credit business, comprehensively analyze the advantage,disadvantage, chance and threats Hunan Branch of Communication of Bank of China is facing. Targeted in its present development situation and main problems,implementation solutions of improving the staff quality, strengthening the risk supervision mechanism of the whole process, complete the minor enterprise credit management system, complete the confirmation of responsibility mechanism,construct the health credit culture. From the perspective of theory and practice, this study is feasible and has the operative guidance meaning to the credit business of Hunan Branch of Communication Bank of China.