Study On SME Credit Risk Management Of Zibo Branch Of ICBC

Commercial bank lending to SME risk management is an international and domestic ongoing research and discussion topics. In the process of rapid development of Chinese economy in recent years, SME have played a strong role in promoting. Due to their lack of risk management, commercial banks can not accurately grasp the risks in expanding its SME loan market disruption. Compared with the economic contribution of SME, the bank obviously inadequate support for it. Sluggish economic situation makes this problem more prominent performance. In this paper, SME Credit Risk Management of Zibo Branch of ICBC is the object of study. Current research and theory is the basis of the full text of the writing, and this paper draws on the advanced experience of other banks for SME risk management. After the description of the status quo of small and medium companies Zibo ICBC customer risk management, the authors propose the existing problems, and investigate the cause. The main reason for these problems is inadequate risk management system and lax internal controls. Finally, the author tries to come up with strategies from the bank's internal and external environment.The first part is an introduction. This part introduces the research background and significance, purpose, content, methods and innovations. Present situation of research on this issue is described in full writing foundation.The second part discusses the credit risk management theory. First, the concept of SME and financing are described. Secondly, the article describes the credit risk and management concepts and types, and discusses the reasons for emerging risks. Finally, the theory about credit management system and internal control plays an important role in guiding theory.The third part is facing the problems and causes of SME loans in Zibo branch. This section describes the current situation of the environment and the three aspects of the loan, raise questions about the strategy, system, link, product innovation, quality of personnel and analyze the cause of the problem from the aspects of management systems and internal controls.The fourth part is to analyze and learn from the Standard Chartered Bank's risk management models of small customers. This section describes the outstanding achievements made by Standard Chartered Bank in the small customer market, and describes the unique risk management in SME behind the success. Use these experiences to improve risk management in Zibo Branch of ICBC.The fifth part proposes countermeasures credit risk management and control issues. First of all, according to the cause of the problem, the authors propose the eight aspects of strategy. Then, according to the eight, the authors propose measures to solve every problem on the three aspects and the external environment.The last section presents the conclusions and limitations of this study. According to the foregoing, the conclusion is presented. The limitations of the article is illustrated.In this paper, to improve risk management and internal control systems in the ICBC branch in Zibo are the main ideas. Through theoretical and experiential learning, in terms of strategic planning, organizational structure, management systems, authorization and supervision, information systems, product design, culture and consciousness of departure, the authors propose solutions to solve the problems in risk management. The purpose is to make the risk management system of Zibo ICBC to run more efficiently and accurately. At the same time, supporting acts of SME, governments and other institutions provide external environmental safeguards to bank risk management. This study seeks to achieve sustainable and stable development of SME loan business in a well-controlled on the basis of credit risk, and remain competitive. Research has certain practical significance jurisdiction to ease financing difficulties and promote local economic development.