Study On SME Credit Risk Management Improvement Of Shanghai Pudong Development Bank Changsha Branch

As the active strength for Chinese economic development, SMEs(Small and Medium-sized Enterprises) caught the attention of the national. To promote the development of SMEs, the country have introduced a number of policies and regulators also strongly pushed the development of SMEs in the other hand, but financing difficulties of SMEs is the ubiquitous question. On the one hand, SMEs overdependence on the accumulated endogenous financing channels, but the channels are narrow and restricting the development of enterprises. On the other hand, banks and other financial institutions unable to meet the financing needs of SMEs and can't support their development. Thus, in recent years, the major commercial banks to increase the development and management of SME credit business, not only to provide financial support for the development of SMEs, but also to expand their volume of business lenders which can increase the banks' income. With the share which the proportion of SMEs in total bank customer business has gradually increased, SMEs credit risk management has become more important. In recent years, under the macro-environment state that country increased the efforts to support SMEs, the amount of bank credit to SMEs is rapidly expanding, and banks credit risk management for SMEs has started facing increasing pressure. Banks should not only support the development of SMEs, but also better control risk, risk-averse. All of these issues should be research deeply.On the basis of previous studies, this paper used Changsha Branch of Shanghai Pudong Development Bank SME credit risk management as an example. On the basis of theory and development current situation of commercial banks credit risk management, combined with the SMEs credit business characteristics of Shanghai Pudong Development Bank Changsha branch, specific analyzed the development environment of Changsha Branch SMEs credit business and described the current approach to risk management. Then, pointed out that the problem of SMEs credit business aspects in Shanghai Pudong Development Bank branch. This paper proposed improvement scheme for SME credit risks, including the adjustment and optimization of SME credit risk management framework and the specific scheme for implementation templates and batch management. In addition, implementation of the Changsha branch SMEs credit risk management improvement scheme had been proposed, including the implementation approach, ensure conditions and the problems that may be encountered and relevant solutions to build a comprehensive system of Shanghai Pudong Development Bank Changsha branch of SME credit risk management.The study found that SMEs credit risk management should contrapose the actual situation and the specific characteristics of the bank and SMEs, through sound risk management model and product innovation ideas, from risk identification, risk assessment to risk control step by step to management in order to increase SMEs lending and control the risk of SMEs credit business.