Research On Credit Risk Management Of SMEs In C Commercial Banks

In recent years,C commercial banks has vigorously supported the development of small and medium-sized enterprises in accordance with national policies.However,a detailed study of the credit risk management mechanism for small and medium enterprises in C commercial banks still reveals many problems.In this context,this paper deeply discusses the credit risk management of C commercial bank,hoping to help improve the credit risk management of small and medium-sized enterprises of C commercial bank.First of all,through the collection and study of relevant documents at home and abroad,this paper has a deep understanding of the relevant theories of credit risk management in small and medium-sized enterprises.Then,based on the characteristics of credit risk difficulty,uncertainty and relevance of small and medium-sized enterprises in commercial banks,this paper analyzes the credit risk management status of small and medium-sized enterprises in C commercial banks in detail from two aspects: credit risk management department,responsibility and credit risk management process of C commercial banks.Through the analysis,it is found that C commercial bank still has many shortcomings in credit risk management of small and medium-sized enterprises.For example,the credit internal control mechanism is not perfect,the credit issuance process is risky,the credit rating is unreasonable,the credit risk management technology is backward,and the performance evaluation mechanism is not perfect.According to the existing problems,carefully look for the causes of the problems,trying to find reasonable countermeasures.Finally,in view of the shortcomings of credit risk management for small and medium-sized enterprises in C commercial banks,Reasonable suggestions are put forward for credit risk management of small and medium-sized enterprises in C commercial banks: strengthening credit internal control mechanism,strengthening credit issuance process risk control,improving credit rating accuracy of small and medium-sized enterprises,and using scientific credit risk management technology to achieve the credit risk management goals of C commercial banks.It is hoped that through the research on the credit risk management of small and medium-sized enterprises of C commercial bank,C commercial bank can effectively avoid unnecessary credit risks of small and medium-sized enterprises and reduce the non-performing loan ratio of C commercial bank.At the same time,it can provide reference opinions for the development of the credit business of small and medium-sized enterprises of C commercial bank.