A Study On The Credit Risk Management Of The Small And Medium Sized Enterprises In The Agricultural Bank Of China

In the modern financial environment.commercial banks is an important part of the social economic activities,commercial banks to achieve turnover of social capital through the capital settlement and financing,and play the function that creates value.It can be seen that the position of commercial banks in the whole financial system is so important that its stable operation will directly affect the stability and development of the whole financial system and even the whole society.Especially in our country,the commercial bank has been playing the role of the main credit fund provider for a long time.Therefore,the study of commercial bank credit risk management can be as far as possible from the root of the risk control.Jilin branch of Agricultural Bank China as China's emerging small and medium-sized joint-stock commercial bank,its distribution outlets less money and small scale unfavorable factors such as constraints in the modern banking industry in the fierce competition,has been difficult to maintain as in the past to rely on the development of large customers will be able to eat the business model.At the same time,in the face of SME customers,the Agricultural Bank of Jilin branch of the China strong position is very obvious,and small and medium-sized enterprises as the focus of national policy support,the future will usher in the golden period of development for decades.The Agricultural Bank of Jilin branch is China can take the opportunity to customers of small and medium-sized enterprises and the quality of the development prospects of developing credit business,through stronger voice,more favorable bargaining power,accelerate the transformation of development of Agricultural Bank of Jilin branch of the Chinese,find a new dynamic performance growth.However,due to China's small and medium-sized enterprises formed a lot of problems in the process of historical development,the management of credit risk not as in the past to the state-owned large customers as.Therefore,both countries and banks are trying to explore effective credit risk management tools suitable for China's national conditions.This article takes the Agricultural Bank of China Jilin behavior research goal,in-depth study on the current situation of management,Sum up the risks in the face of SME credit operations,and to improve the small business credit risk management recommendations to solve the SME credit financing difficulties and provide a new way of thinking.