Research On Credit Risk Management Of N-banks Under The New Normal

In 2014,Xi Jinping point out that China's economic development was in a "new normal" concept, and that the economic restructuring is the focus of the current economic downturn focus; February 2015 the State Council promulgated the "support and guide the views of non-public economy," the Chinese people Bank and the CBRC subsequently issued a notice to "solve the SME loan problem". On the other hand,with the advancement of China's financial reform, the intensification of competition between commercial banks has increased, so the focus on small and medium-sized enterprise credit business has not been the focus of development, but also by commercial banks as a transformation The opportunity.However, the reality is that the commercial banking business management process is still not enough standardization, refinement and many other issues at the same time, for the original default risk of small and medium-sized business groups,increase the intensity of loans has become a hidden behavior of non-performing loans ,So in the current economic downturn, most commercial banks are still "hesitate"attitude to face the SME market. This is fundamentally inextricably linked to the current risk management ideas adopted by commercial banks in coping with the SME market.This paper will use N bank SME credit risk management as a research sample to find the shortcomings of N bank's SME credit risk management and put forward their own improvement ideas. It aims to explore how the credit of commercial banks in small and medium-sized enterprises in the current economic background Under the new normal, both to ensure the safety and stability of credit assets, but also to maintain a high level of business development. But also hope that the completion of this article, China's commercial banks, SME credit risk management play a theoretical system to improve the effect.