Case Study On Credit Of Small And Medium-sized Steel Trade Enterprises In M Bank

The international economic environment has been slightly depressed in recent two years,and the domestic real economy has also shown a weak state,which has led to the increase of the bad credit rate of small and medium-sized enterprises in banks year by year.But at the same time,the state has proposed to support the real economy in an all-round way,to provide universal benefits to small and medium-sized enterprises,and has tried to reduce the burden of enterprises on taxes and fees,to improve efficiency in the process of industrial and commercial registration,and related measures.With great achievements,banks should also give further consideration to credit support for SMEs.The number of small and medium-sized enterprises in our country is huge.They are a force that can not be neglected in terms of providing employment opportunities or tax contributions.M Bank has undergone several transformations in the credit of small and medium-sized enterprises.With the increasing efforts of the state to support small and medium-sized enterprises,M Bank has also followed the call of the state to carry out another transformation of credit for small and medium-sized enterprises,the core of which is: The credit of small and medium-sized enterprises will be transformed from the original intensive,paper-based,artificial to decentralized,online and systematic.Compared with the credit of large enterprises,the risk control of small and medium-sized enterprises is relatively large and flexible,basically reaching the situation of "one household for one policy",which also leads to the difficulty of credit risk management of small and medium-sized enterprises in the past.Some credit personnel are willing to lend but dare not lend to small and medium-sized enterprises,but the state has made it clear in 2017.At the financial working meeting,the development direction of Inclusive Finance was put forward.Banks must make breakthroughs in the credit business of small and medium-sized enterprises to support the industrial economy.Firstly,this paper comprehensively expounds some domestic and foreign experts’ research results on credit risk management,such as game theory,enterprise life cycle and credit information asymmetry.Secondly,it briefly introduces the types of credit risk of M bank and the basic situation of credit development of small and medium-sized enterprises.Secondly,the case of small and medium-sized steel trading enterprises analyzed is a very representative case in the traditional credit of M bank for small and medium-sized enterprises.It represents the most complete pre-loan,loan-in-loan and post-loan process of M Bank for SMEs in the past.After seven years of post-loan management,M Bank has also completed the transformation of the credit mode for SMEs.Finally,it puts forward some suggestions and Countermeasures for the current commercial bank credit product risk management combined with relevant risk points.