Research On Credit Risk Of Small And Medium-sized Enterprises In Bank B

The current increasingly fierce competition between commercial Banks,it is particularly important to quality of credit assets,the credit risk is more prominent,both from the external factors and internal control,or specific details from the macroscopic environment,commercial bank credit risk management and control is an important part of nots allow to ignore,the bank to achieve maximum profit,must do credit risk minimization.A large part of our banking asset business is lending,and credit risk is a common risk in banking.In this paper,through the elaboration of the existing risk,analysis of the present status of the risk of the credit of the banking sector,a study of the causes of credit risk,thus highlights the importance of financial analysis and financial early warning,and banking internal control as well as the importance of credit personnel to improve the level of financial management.Through the establishment of a reasonable and standard bank credit risk early warning system,implement scientific early-warning system,improve the risk analysis and value of the industry,help Banks to effectively identify risk,risk prevention cure,this to improve the level of our country commercial bank credit management implementation has made steady progress in the financial sector is of great significance.