Research On Credit Risk Management Of Small And Medium-Sized Technological Enterprises Of HL Bank

With the rapid development of science and technology and economic level,the number and the quality of small and medium-sized technology enterprises in China is continuously increasing.Its role in promoting the economy and its importance to social development have become increasingly prominent.But there are still many constraints in the process of small and medium-sized technology enterprises,the most typical one among those constraints is financing problem.On the other hand,with the continuous advancement of interest rate marketization,the competition between commercial banks is becoming more and more intense.Adjusting the credit structure to meet the credit demand of many small and medium-sized technology enterprises,is not only catering in the national policy orientation,but also a business opportunity for the development of commercial banks.The core of commercial banks' credit business for small and medium-sized technology enterprises is risk management.This paper takes HL Bank's credit risk management of a technology company in Hangzhou as an example.Based on the features of China's small and medium-sized technology enterprises and the characteristics of credit risk,this paper explores the credit risk management theory and method that conform the reality of China's commercial banks and meet the credit demand of small and medium-sized technology enterprises.This paper uses the case study method.First,based on the analysis of basic theory and practice of commercial banks' risk management,this paper introduces the classic case of American Silicon Valley Bank's credit risk management of technology enterprises and analyzes and summarizes its risk management experience.And then sited a research of HL Bank,systematically analyzes its credit process and its risk management measures of small and medium-sized technology enterprises.Then combining with the particularity and the main risk point of small and medium-sized technology enterprises,the paper sets a comprehensive analysis on the case about HL Bank's credit risk management of a technology enterprise in Hangzhou.After that this paper uses this case as a breakthrough to explore the problems that may exist in the credit risk managementof small and medium-sized technology enterprises of HL Bank.And finally the paper put forward targeted countermeasures and recommendations for the existing problems.After investigation and analysis,it is found that there are some shortcomings in the aspects of comprehensive financial services,credit service approval efficiency,credit risk investigation management and credit risk control measures.This paper proposes HL Bank to innovate financial products,improve the approval function of branch banks,establish credit evaluation system,focus on non-financial information and abnormal changes in information and use some other methods to improve the above shortcomings.It is hoped that this study will provide some ideas for HL Bank to improve the credit risk management level of small and medium-sized technology enterprises and will also provide some reference for the practice of risk management for other similar commercial banks.