Research Of Credit Risk Management Of Medium And Small-Sized Enterprises In Commercial Bank

Financing has been a bottleneck of restricting the development of SMEs, and the main reason it is difficult for SMEs to obtain loans from commercial banks is its credit risk identification, measurement and control and management there is a big difficulty, at present China's commercial banks' credit risk management system for SMEs not perfect, to hedge credit risk, commercial banks usually choose and have a certain economic strength of large enterprises. This study selected Changsha Bank as a case study SME credit risk management of China's commercial banks, not only to induction of credit risk management processes, models and methods in theory, but also analyzes risk management in Changsha bank credit from the practice, Changsha Bank credit risk control to provide practical guidance, but also for China's commercial banks to provide a theoretical reference credit risk aversion.Study the theoretical research and empirical research method of combining the commercial Banks to small and medium-sized enterprise credit risk management for further discussion. Theoretical study part, including four content, small and medium-sized enterprise credit risk definition, types, causes and the risk management process, the small and medium-sized enterprise credit risk identification, analysis of small and medium-sized enterprise credit risk model, small and medium-sized enterprise credit risk management, control method, theoretical research is the purpose of providing theoretical basis for empirical research.Empirical research part, mainly through selecting Changsha as a case to the bank of small and medium-sized enterprise credit risk management case analysis, the "status quo- question-" the specification of the model for empirical analysis. First, bank for small and medium-sized enterprises in Changsha, and study the present situation and problems of credit risk management, through the analysis of Changsha bank credit business, the development of small and medium-sized enterprise credit business characteristics, then analysis the features of small business credit risk and credit risk management characteristics, mainly in Changsha bank for small and medium-sized enterprises credit risk identification. In addition, current situation analysis of Changsha bank for small and medium-sized enterprises credit risk measurement, risk using Logistic model to build the index system and statistical analysis to determine the Changsha bank mechanism, the main function of small and medium-sized enterprise credit risk as well as the influence degree, lay a foundation for analysis and strategy of the problem are presented. In Changsha after the bank of small and medium-sized enterprise credit risk management present situation analysis, according to the analysis results of bank of Changsha, summarized the problems existing in the small and medium-sized enterprise credit risk management.Finally, combined with the theoretical research and empirical research results, put forward the Changsha bank credit risk identification, measurement and control measures, concrete from the concept of risk management, risk management process, the talent training mechanism, the mechanism of risk measurement, risk management innovation is analyzed from multiple perspectives, such as for Changsha bank credit risk management of small and medium-sized enterprises to provide policy recommendations, also for our country to promote the efficiency of commercial bank credit risk management of small and medium-sized enterprises provide practice guidance.