The Research On The Improvement Of Small And Medium-sized Enterprises Credit Risk Management For China Construction Bank's A Branch

Small and medium-sized enterprises as an important part of the modern national economy,according to statistics,as of 2017,there are 40 million small and medium-sized enterprises in China,accounting for 99%of the total number of enterprises,which contributes 60%of China's GDP,50%of taxes,and 80%of urban employment.The global financial crisis shows that a scientific and effective credit risk control mechanism must be established to strengthen the risk control of commercial banks.These paper conducts a case study on the credit risk control of small and medium-sized enterprises of the Construction Bank A branch.It is of great theoretical and practical significance to improve the risk control of the A branch of the Construction Bank and provide effective reference for the risk control of commercial banks.This article takes the information asymmetry theory as a guide and analyzes the operating conditions of the A branch of the Construction Bank and the risk control of small and medium-sized enterprises the credit business according to the internal control,Basel III,and the five-category loan classification policy requirements.It is believed that the A branch of the Construction Bank is Under the local economic environment,through the active development of the small and medium-sized enterprises market,its credit business has formed certain characteristics and advantages.However,in the process of credit risk control,there are still problems such as high risk of credit concentration,inaccurate pre-lending identification,inadequate judgment of collateral risks,and inadequate post-lending management.Therefore,the Construction Bank A branch should pay attention to the identification of key risk points,establishing an effective risk warning mechanism,establishing a comprehensive information sharing platform,selecting industries prudently,use of big data to establish a screening mechanism,and applying comprehensive credit risk mitigation methods;mutual guarantee model for enterprise clusters,promotion of credit financing for SME supply chain,provision of insurance services for high-risk industries;strengthening of post-loan continuous inspection and supervision,introduction of models for expected loss of loan impairments,and improvement of the professional quality of credit officers.