A Study On Credit Risk Management Of Small And Medium-sized Enterprises In Bank A Branch Of Bank Of Communications

Commercial banks,as an important financial subject in China,play an important role in promoting the development of China's financial industry.Small and medium-sized enterprises as an important subject of innovation,the development of the national economy has an important driving force.With the continuous development of China's economic evolution,the competition between the various business entities is becoming increasingly fierce.With the adjustment of China's economic structure,the slowdown in net profit growth,the implementation of the deposit insurance system,the issuance of large deposit certificates,the gradual advancement of interest rate marketization,the banking industry is facing enormous opportunities and challenges.Some scholars say that the net profit growth of commercial banks "Zero" is approaching,Bank of Communications is no exception.SME credit business as an important business of Bank of Communications Branch A has an important impact on its economic benefits.And small and medium enterprises because of their own characteristics in the credit there is a large uncertainty,the bank's credit risk also increased.In the era of coexistence of various factors,how to overcome the dilemma,to prevent risks,momentum and become a branch of Bank of Communications must study the subject.Compared with the large commercial banks,the organizational structure,management and market operation mode of Bank A branch of Bank of Communications are highly marketed,and the scale of assets and liabilities and the type of business are relatively easy to study and analyze.The credit risk exposure of small enterprises is also worth attention.On the other hand,the Bank of Communications A branch is relatively late,the SME credit risk concept is relatively weak,especially the low level of credit risk management,the ability to resist credit risk is also poor,can not meet the growing demands of the banking industry.Therefore,as soon as possible to improve the SME credit risk management system,to enhance the SME credit risk management level is the Bank of Communications A branch important and to be resolved.A branch of Bank of Communications,Bank of Communications A branch carried out,for example,in the use of credit risk management system SME research,analysis-by Bank A branch of SME credit risk management were analyzed,and in one of the joint-stock commercial banks Status Bank SME credit risk management in difficulty,the SME credit approval process,credit management aspects of SME,explore the Bank a branch in credit risk management systems,risk evaluation system,the concept of risk culture,risk concentration,small the existence of financial services companies demand problem,learn from Wells Fargo credit risk,EBRD,Japanese commercial banks and other foreign banks and Industrial and commercial Bank of China,Shanghai Pudong development Bank,Bank of China and other domestic banks fruitful research and management experience,combined with Bank a branch of their actual experience of SMEs in the credit risk management,targeted proposes to improve Bank a branch of SME credit risk management advice,Bank of Communications a last minute SME credit risk management are summarized.As long as the Bank of Communications Branch A in the SME credit risk management operations properly,between the two can form a mutually beneficial and win-win cooperation.