Research On Credit Risk Management Of SME Loan Business In YC Bank

In recent years,China's small and medium enterprises have been rapid development,China's economic development has become one of the most important elements.Although China's small and medium-sized enterprise financing is relatively small,compared to the development of large-scale corporate loan business,the development of SME lending business has a higher cost,but China's commercial banks in the SME lending business has a greater initiative,There is a high proportion of the float,when the risk control is better,the bank will have a very good income,the current SME lending business is one of the domestic commercial banks of the leading business.In addition,small and medium enterprises can bring huge capital flows,can be very effective to promote banks such as savings business,on behalf of the wages,credit cards and many other business linkage developments.In the environment of interest rate marketization,although the business structure of commercial banks is constantly changing,the proportion of asset business and debt business is also adjusted,but the main position of SME loan business will not change in the short term.Therefore,the purpose of this paper is to explore how to strengthen the credit risk management ability of YC Bank SME loan business.Based on the relevant theoretical basis,this paper expounds the related concepts and characteristics of SME and credit risk,the causes of credit risk formation and the related risk measurement models of YC Bank,and analyzes the YC This paper analyzes the current situation of YC Bank's credit risk and its management,analyzes the existing problems from the aspects of management consciousness,organizational structure,measurement method,early warning mechanism and risk control,and analyzes the causes of the bank's credit risk management.Finally,combined with the actual practice of YC Bank,make full use of advanced management practices at home and abroad,put forward practical measures to solve.