The Research On Credit Risk Management Of Smes In WHC Bank

SMEs play an important role in the employment,technological innovation and regional economic development.They are the main productive forces in the development of the national economy,and are the most active part of the national economy.SMEs' credit has also become the main credit service objects of most of domestic banks in China.However,compared with large enterprises,SMEs have weak ability to resist risks,bear the brunt of the impact of economic downturn,more and more SMEs deteriorating business conditions.In the face of the credit demand of SMEs,there is a large lack of credit risk management,of the domestic banks,affected by imperfect management mechanism,poor comprehensive quality of credit officer etc.,leading to the rapid rise of bank credit risk.As a city commercial bank with the main service target of SMEs,the problems existing in the SMEs' credit risk management of WHC Bank are quite representative.Through the analysis and research in credit risk management system of WHC bank,it is important for WHC to solve the problem that how to continue to increase credit support for SMEs,at the same time,take effective measures to control SMEs credit risk,and improve the credit financing environment of SMEs to realize the win-win situation between banks and enterprises.On the basis of summarizing the relevant literatures of the predecessors,this paper studies the credit risk management of SMEs in WHC bank by using the fuzzy evaluation system from the aspects of risk management system,risk assessment tools,human resources and post-loan tracking.The optimization proposal of credit risk management are mainly to improve the credit rating system,innovative credit business products,improve the risk early warning mechanism,strengthen the training of credit officers,standardize the post-loan management assessment,optimize the credit system functions.It is hoped that the research of this paper will provide effective suggestions for perfecting the credit management system of SMEs in domestic banks.