Research On Credit Risk Management Of SY Bank Small And Medium Sized Enterprises

In terms of national economic development,its rapid and steady development is based on SMEs as an important basis,and SMEs in promoting China's economic growth and technological innovation,also play an increasingly important role,which is recognized by everyone,But at the same time,SME financing problems and credit risk has risen to international problems.At present,commercial banks,which are in the main position of China's financial system,have begun to test water to the SME financial business,driven by external competitive pressures and driven by internal profit drivers.However,commercial banks "test the water" resistance,commercial banking business transformation,the"stumbling block" is the SME credit risk.Therefore,it is very important for Chinese commercial banks to expand the financial business of small and medium-sized enterprises,how to scientifically,rationally and effectively manage the credit risk of SME loans.In this paper,credit banking of SY bank is taken as the object of study.Credit risk management of small and medium-sized enterprises of SY bank is studied from the aspects of credit risk identification,credit risk evaluation and credit risk coping and control.Firstly,this paper expounds the current situation of credit risk identification,credit risk evaluation and credit risk control of SY bank,and then analyzes the problems existing in the credit risk management of SY bank SMEs.On this basis,it puts forward the credit risk of SY bank SME Of the preventive measures.The specific response and control measures are:to improve the credit risk evaluation system of small and medium-sized enterprises by improving the pre-lending risk identification ability of small and medium-sized enterprises;to perfect the credit risk mechanism of small and medium-sized enterprises and to construct the credit risk management system suitable for small and medium-sized enterprises;Improve the credit risk mechanism of supply chain financing,perfect the way of guarantee,design the financing plan rationally,strengthen the construction of the staff team,and so on,so as to improve the credit risk of the bank of SY and improve the credit risk of the bank.Control level.