J Bank Credit Risk Management Research Of Science And Technology

Since China's reform and opening up,China's economic development by leaps and bounds,but with the energy crisis,environmental pollution,overcapacity problems emerge in endlessly,want to continue to improve the economic growth must change the high consumption,high pollution and low benefit growth model,alternative to emerging strategic industries,modern service industry as the leading pattern of growth.Trajectory from developed countries to have a look,close to the market demand for technology-based SMES(small and medium-sized enterprises)can stimulate public business,to develop peoples innovation situation,help to promote the development of economy,therefore vigorously develops the small and mid-sized enterprise the future the main force of the economic development in our country,the formation of the new situation of our economy is of crucial importance.But from the external data according to the results released in China at present the practical of the enterprise's financing difficulties is bigger,loans of actual power usage effectiveness is lower,so our technology-based SMES financial demand of the market potential is tremendous.How to make the commercial bank credit better and faster development of science and technology,and realizes the "win-win" bank and enterprise is the commercial Banks need to urgently solve a task.J bank is a domestic bank listed commercial Banks,this paper takes Suzhou branch management as the research key,based on the operating characteristics of technology-based SMES,present situation of J bank credit risk management,design evaluation model suitable for small and mid-sized enterprise financing.Randomly selected 30 families of Suzhou branch credit customer validate the model with the existing credit approval degree of match results.Finance evaluation model is proposed in this paper practical significance,not only can improve the efficiency of J bank credit approval,as well as the risk preference of unity within Banks,truly improve the distribution of financial technology products,promote the mutual understanding of the commercial Banks and customers,in order to promote science and technology enterprises in Suzhou to the healthy growth of the small and medium-sized enterprises.