Research On Credit Risk Management Of Small Enterprises In BT Bank High-tech Sub-branch

BT Bank High-tech branch after years of development, the stage has become one of the core financial services institutions in Shaanxi Province, and under the leadership of national governments and financial institutions, efforts to provide financial services to small businesses, but from the point of view of their own characteristics, credit risk, how to effectively control credit risk, have become its small business credit is an important issue.BT Bank branch to carry out high-tech small business credit business since 2009, with the development of ever-changing market and business, small business credit risk management challenges. Based on the BT Bank High-tech branch of small business credit risk management study, based on indicators of risk management approach and the People's Bank Supervision caliber and publicly available data, the analysis of high-tech branch in the small business credit risk management problems branch of risk management organizations, including inadequate infrastructure, risk management systems and methods have defects. Subsequently, in accordance with the risk management theory and method of the causes of problems in the analysis of high-tech branch small business risk management problems existing risk management optimization, recognition from branch risk assessment, prevention process, proposed to build the Key identification process line small business credit risk management system, optimize the branch risk management organizational structure, improve the small enterprise credit risk management practices, strengthen personnel incentive schemes and other incentives and constraints.Thesis conclusions enrich the commercial bank line of grassroots management of specific, practical operational level, focusing on the theory of small business credit risk management study and this summary and induction. Not only help to build a perfect high-tech branch of the small enterprise risk system, but also on other commercial banks to build risk management system to provide a certain amount of experience.