Research On Credit Risk Management Of SMEs In Nanchang Branch Of CHIAN CITIC BANK

In the past thirty years,the commercial banks of our country have undergone tremendous development,and in today’s market economy,all kinds of financial products emerge in endlessly,which is accompanied by the increase of bank credit risk.As far as commercial bank risk management is concerned,credit risk management is the most critical.It is very difficult to establish credit risk management system with the characteristics of small and medium enterprises and practical problems.Based on the research object of the ZX bank’s Nanchang branch,this paper puts forward the research direction and main body of the credit risk of the current commercial banks in China as the research background and theory.Next,this article describes the data samples of ZX bank Nanchang branch,and carries out the related analysis,puts forward the main measures of the credit risk management at the present stage of the ZX Bank of Nanchang branch,and then analyzes the related problems of the credit risk management of the Nanchang branch of the ZX bank,and puts forward the solution on this basis on this basis.Methods and schemes,and the necessary safeguard measures for the implementation of the guarantee scheme and landing are formulated.