Study On Credit Risk Management Of Commercial Banks In Small-medium Enterprises

Small and medium-sized enterprises are the backbone of promoting national development,driving employment,promoting social stability and building market economy.To maintain the healthy and orderly development of small and medium-sized enterprises is an important condition for promoting the people's livelihood in China,which is a strong guarantee for the stable and rapid development of the national economy.The development of small and medium-sized enterprises has become a vital force in stabilizing the economy,and has received the attention of governments at all levels and commercial Banks.In 2014,President Xi Jinping proposed economic transformation as the main point of work.In 2015,the state council issued a policy of "business system refonn",advocating "mass entrepreneurship and innovation".Conmmercial Banks are looking to expand the credit business of small and medium-sized enterprises as an important direction of transformation.For societe generale,as the financial situation to change,increasingly vicious competition between Banks,the inevitable choice of the current business transformation only increase support for small and medium-sized enterprise credit business to start.However,the financing difficulty of small and medium-sized enterprises is still the biggest obstacle.Because of the small and medium-sized enterprises internal control mechanism is not sound,strong profitability cyclical,low credit level,to pledge product quality is uneven and weak risk coping ability,bank for small and medium-sized enterprise credit business,easy to cause bad debts,losses have a higher risk.Even so,commercial Banks are still constantly develop and explore new products new services for small and medium-sized enterprise credit,and launch new credit model,etc.,don't let any one share business opportunities for small and medium-sized enterprises.So what is the innovation model of small and medium-sized enterprises in China in such a large context?What exactly are the innovative credit businesses?Are these business Settings reasonable?Can Banks effectively control their own risks while servicing them?How to control it?These are issues worthy of our attention and discussion.This article is based on the bank as the research object,to small and mediurm-sized enterprise credit business as the breakthrough point,combines the actual conditions of the small business credit products and the experience in practice,through the analysis of the present situation,points out its defects and the risk of,puts forward improvement Suggestions and countermeasures of optimizing the credit management.This paper introduces the research background and significance of the credit of commercial Banks in small and medium-sized enterprises,and lists the methods and ideas of research.Furthermore,this paper reviews the key theories involved in the thesis and reviews relevant literatures at home and abroad to build up the research framework and specific research contents of this paper.Then it introduces the status of small and medium-sized enterprise credit of industrial bank and the characteristics of credit business innovation.Combined with the actual,in discussing the small and medium-sized enterprise credit products "business credit","easy speed credit","trade credit","repeatedly credit","honesty credit" the framework and its particular advantages,on the basis of combining with the bank and trade of the typical case of credit,and targeted analysis of the risks in the credit business operations.On the basis of above mentioned above,to improve the credit management of small and medium-sized enterprises of industrial bank,propose improvement Suggestions and optimization plan.It includes the cultivation of good credit culture,the improvement of the construction of the organization,the establishment of a risk early warning system,and the promotion of process optimization mechanism.This paper aims to explore the ways to realize the safe and efficient development of credit business of small and medium-sized enterprises,so as to improve the level of credit management of smes and provide reference for improving the credit management mechanism.