Commercial Banks To Small And Medium-Sized Enterprise Credit Business Risk Management Research

In recent years,with the rapid economic development of our country,the increasing number of domestic medium and small type enterprises,small and medium-sized enterprise development process role to our country economy is also growing.But most of the small and medium-sized enterprises exist in the development of more factors,the most outstanding one of the important factors is small and medium-sized enterprise financing difficulties.At the same time,our country commercial bank in the process of the development of market economy competition is very fierce,for small and medium-sized enterprise financing situation,the financing way of commercial Banks is one of the most high quality.For the commercial Banks,including small business credit management business core is risk management.Risk management is the core content of the commercial bank management and the eternal topic,this article from the current is closely related to our country commercial bank credit business of small and medium-sized enterprise credit risk analysis and research,aims to summarize and conclude the current commercial bank credit risk control method,combining with Chinese silver zhengzhou new district branch of small and medium-sized enterprise credit risk management,on the basis of analyzing the current situation of the development of risk management and,in combination with the characteristics of small and medium-sized enterprise itself in China,such as the number,small scale,financial structure is not sound,management is not standard,the enterprise actual controllers too much personal impact on the enterprise management,and other significant characteristics of family-owned businesses,according to bank of China,zhengzhou new district branch of small and medium-sized enterprise credit risk management practice,using the real case,small and medium-sized enterprise credit analysis in the actual credit management emphases and countermeasures of small and medium-sized enterprise credit risk management strategy optimization and risk prevention and control,balance risk and return,support the development of small and medium-sized enterprises at the same time create bank value put forward countermeasures for the improvement of the bank of China small and medium-sized enterprise credit risk.Based on the bank of China,zhengzhou new district sub-branch of small and medium-sized enterprise credit management,for example,under the background of our country small and medium-sized enterprise credit,combine the domestic current situation of the small and medium-sized enterprise credit,and the risk of the commercial Banks of small and medium-sized enterprise credit risk management model,on the bank of China,zhengzhou new district branch of small and medium-sized enterprises,on the basis of case analysis,put forward to perfect the risk management of commercial Banks to small and medium-sized enterprise credit business advice.