Research On Credit Risk Management Of Small And Medium Sized Enterprises In The Guangxi Branch Of C Bank

In recent years,in the financial control,the supply of funds to circumvent the commercial bank system,transfer directly to the demand side,to complete the extracorporeal circulation of funds,enterprises declining demand for bank loans,competition pressure and advantages of large enterprises bargaining position,these further compress the profit space of commercial bank.At present,China has entered a critical period of accelerating the transformation of economic development mode and economic restructuring.The development of small and medium-sized enterprise(SME)credit business is not only the need for the development of large state-owned commercial banks,but also consciously assumed social responsibility and actively promoted the objective requirements of economic transformation.While SME credit business development orientation is not clear;risk management and supervision mechanism is not perfect;the risk management staff is not equipped;credit staff professional and so on a series of problems are not be solved,the Guangxi branch of C bank launched the SME credit business.After several years of business development,credit risk is increasingly exposed,frequent defaults,coupled with macroeconomic downward pressure,rate of not-performing loan continued high.This paper first studies the domestic and overseas basic theory of credit risk management of SMEs,defining the connotation,characteristics and credit risk of SMEs,and makes a general overview.Then,it expatiates on the basic theory of modern financing theory,economic cycle and modern risk theory and transaction cost theory,which lays the theoretical foundation for the next research.Moreover,it analyzes the problems of credit risk management and the causes of the problems of credit risk management in the Guangxi branch of C bank.Finally,by using the methods of literature research,case study,based on the relevant theories of existing commercial banks SMEs credit risk management and risk management system and advanced experience,aiming at the Guangxi branch of C bank existing SME credit risk management problems,put forward seven machine operational countermeasures.