The Credit Risk Management Research Of Small And Medium-sized Enterprises Based On JT Bank Of Jiangsu Branch

With the continuous development of market economy,the number of small and medium-sized enterprises increased year by year.According to statistics,China's enterprises have more than 90% of small and medium-sized enterprises,its contribution to society has created more than 60%,80% of urban employment opportunities for small and medium-sized enterprises.Visible on the overall economy development,solve the problem of employment,maintaining social stability has a far-reaching influence.The development of small and medium-sized enterprises with cash flow and capital chain,cannot do without the intermediation of funds,especially the full support of the commercial banks.However,SME credit "high risk" of commercial banks and the "safety" principle has great contradiction.The risk management of SME credit business is the key of bank credit business of small and medium sized enterprises healthy and sustainable development.Therefore,improve the credit risk management mechanism of the credit risk management mechanism for small and medium-sized enterprises,worthy of deep thinking and research.Based on the SME credit business of JT Bank branch in Jiangsu Province as the research object,on the basis of a comprehensive understanding of the SME credit business of JT Bank branch in Jiangsu Province,through specific case from the pre loan risk,risk identification,risk assessment and credit loan risk control three aspects of risk management process the problems are analyzed and summarized.Then according to the small and medium-sized enterprises of Jiangsu branch of JT commercial bank credit service scheme under the four customers accounted for accounted for relatively large science and technology small and medium-sized enterprises to carry out case selection analysis,design suitable for the small and medium-sized enterprise credit risk identification,evaluation and control mechanism,in order to provide a method of solving process of credit risk management in small and medium sized enterprises.In the last part of this paper,to supplement and perfect,to the Jiangsu branch of JT bank's overall credit of small and medium sized enterprises Risk management put forward the perfect measures.