The Research On Credit Risk Management Of Small And Medium Enterprise In Yi Chun Branch Of A Bank

In recent years,with the continuous development of the national economy,small and medium-sized enterprises developed rapidly.its financing needs are growing.In order to expand the profit channels and increase interest income,commercial banks have vigorously develop small and medium enterprises financial services and increase the scale of credit financing for small and medium enterprises.However,due to the small size of small and medium enterprises,the effectiveness of instability,weak anti-risk ability,lack of credit guarantee,etc,the current commercial banks SME lending business has a high non-performing loan ratio,default risk and other problems.Therefore,strengthen the credit risk management has become a inevitable requirement for commercial banks long-term stable development,with the better service for local small and medium enterprises.This dissertation starts from the research situation at home and abroad,and summarizes the literature according to the causes of credit risk of small and medium-sized enterprises and the credit risk management methods of commercial banks.And then from the development situation of A Bank YiChun City Branch credit,the relevant credit products and credit risk management process to state the current situation of the small and medium-sized enterprise credit risk management in A Bank YiChun City branch.This paper analyzes the credit risk management process by a practical case of working capital loan of BL industry limited liability company,and points out the problems of A Bank YiChun Branch in terms of loan due diligence,loan product design,credit and approval and post-loan management.Based on the analysis of the representative cases and the present situation of credit risk management of A bank YiChun City Branch,it is concluded that A bank's pre-loan due diligence investigation standard needs to be improved,the credit product is single,the loan pricing management is unscientific,the approval of credit letter is subject to subjective influence and post-loan supervision is missing.Then put forward corresponding countermeasures,such as strengthening the credit due diligence investigation,increasing the financial product innovation of small and medium-sized enterprises,implementing the scientific pricing mechanism,strengthening the credit management and perfecting the loan management system,etc.