The Study On Small And Medium-sized Enterprises Credit Risk Management And Improvement Countermeasures On Z Bank DF Branch

As a city commercial bank,Z bank is positioned as "business logistics bank,SME financing expert and citizen boutique bank".In order to solve the plight of SME financing,it launched a special credit business for SMEs.While supporting the development of small and medium-sized enterprises,the security of funds is also a key issue.According to the statistics of SME credit cases in Z bank,operational risk and credit risk ranked the top two,especially operational risk,which accounted for more than 50%,involving all links before,after loan and after loan.How to vigorously support the development of small and medium-sized enterprises and achieve win-win cooperation among SMEs,banks and regional governments and people is of great theoretical and practical significance under the condition of controllable risk.This choice of SME credit risk management of Z bank DF branch as the research object,in the description of credit risk management related to the theoretical basis and literature review on the basis of the first survey and describes the basic situation of the small and medium-sized enterprise credit status and risk management status on Z bbank and DF branch,combined with SME credit has occurred and the case working experience of small and medium-sized enterprise credit risk management problems in the analysis of DF branch.The results show that the DF branch in SME credit risk management risk management structure is not perfect,risk management system and the process is not perfect,the loan before the loan in loan irreegularities,comprehensive risk management and compliance of tangible real case bottom line consciousness problem.Around the above problems,determine the improvement goal of SME credit risk management on DF branch:to establish a suitable for small and medium enterprises credit risk management organization,the small and medium-sized enterprise credit risk management system and process more perfect,full awareness of risk management,compliance management awareness of universal enhancement,and 25 quantitative risk management objectives,to further determine the improvement ideas.According to the thought of improvement,to improve the ability of enterprise credit,batch business by letter customer selection criteria,improved calculation of credit improvement analysis,and use the SM Company's actual case to verify the applicability of the design scheme,put forward the improvement of SME credit risk management system,improve the credit risk management system and process the establishment of a comprehensive risk management mode of defense and lasting attention to compliance case prevention countermeasures and suggestions of management etc..