Research On SMES Credit Risk Management Of W Branch Of ABC

Small micro enterprises are playing a growing major and important role in solving well-being issue and promoting economic growth.Commercial Banks are also fully aware of the potential value of SMES,and make expanding small micro-enterprise financial services as a stable business growth channels.However,in the profound and complex changes of the economy situation at home and abroad,especially the economic downward pressure of external environment,the SMES non-performing loan amount and ratio increases quickly.There are two reasons,one is the SMES suffers a much bigger impact due to its own characteristics,and the other is the low level of cedit risk management of commercial banks.Therefore,nowadays,how to manage small micro-enterprise credit risk is a problem that commercial Banks need to solve.This article is based on the analysis on the situation of the SMES credit risk management in W branch of agricultural bank of china,and would like to find out the factors that make a major influence on SMES credit risk by studying the present situation of the small micro enterprise credit risk management,the economic environment risk,industry risk and credit risk management of the external causes and small micro enterprise internal financial characteristics.This paper takes the small and medium enterprise credit data of W branch of Agricultural Bank of China as the sample,establishes the index system which affects the default rate of small micro enterprise,uses Logistic regression to analyze the risk factor deeply,and obtains quantitative qualitative factors such as small micro enterprise characteristics.Finally,on the basis of empirical analysis,this article makes effective suggestions on the credit risk management of small micro enterprises of W branch of agricultural bank of china.The combination of theory and practice is much more helpful of improving the application and operation of credit risk management.