Research On Credit Risk Management Of Small And Medium-sized Enterprises In Bank H Branch B

With the improvement of China's financial system,commercial Banks are playing an increasingly critical role.As regulators require commercial Banks to strengthen the identification and monitoring of various credit business risks,risk management has become the top priority of commercial Banks.Due to their own characteristics,it is more and more difficult for commercial Banks to control the risks of smes' credit business.The B branch of bank H has completed the small and medium-sized business supervision index issued by the regulatory unit for eight consecutive years since 2010.In the past three years,it has provided credit support for 3,600 small and medium-sized enterprises with a total loan amount of 187.8 billion yuan,among which private enterprises account for 88.87%.Since 2015,the loan balance of small and medium-sized enterprises in B branch of bank H has maintained a rapid growth of more than 30%for three consecutive years,higher than the average level of the industry,while the defect rate has been reduced year by year,now it is only 0.36%,far lower than the average level of the industry.Therefore,the study on the risk management of bank H branch B has certain reference significance.Firstly,this paper introduces the content of risk management and credit risk management process of commercial Banks,which provides theoretical support for the full text analysis.Secondly,by studying the literature on risk management of commercial Banks and credit risk of small and medium-sized enterprises,it lays a foundation for the following research and method selection.The idea of "putting forward problems-analyzing causes-solving problems" runs through the whole paper.Based on this idea and combining with theoretical research,the author analyzes and identifies the characteristics of sme loans and the main credit risks.From the perspective of pre-control of credit risk management,loan process control and post-loan risk prevention,the author analyzes the pre-loan risk identification and evaluation,in-process risk control and post-loan risk response management of bank H branch B to small and medium-sized enterprises.On the basis of the above research,the author uses the analytic hierarchy process and expert scoring method to build risk management evaluation model,and combined with practical work the collected the real risk of cases on the bank H branch B a summary on the problems existing in the small and medium-sized enterprise credit risk management evaluation,from the external economic environment factors,small and medium-sized enterprise own factors and the internal management factor three sides facing the causes are analyzed.In the end,suggestions are put forward to improve the credit risk management of smes in bank H branch B.In this paper,the small and medium-sized enterprise credit risk management research has certain reference significance:on the one hand,based on the bank H branch B,throughout its small and medium-sized enterprise credit business risk management process,bank H branch B emphasizes the whole process management,only a comprehensive credit risk identification and evaluation,credit risk control and post-loan risk response,can better control the risk.On the other hand the author as the employees of bank H branch B,has small and medium-sized enterprise credit business experience more than five years,through the branches of internal related department leader face to face communication,combined with the expert interview,questionnaire survey,in-depth bank H branch B in related fields,the bank of collect the H,B small and medium-sized enterprise credit risk management actual typical cases and classification analysis,found the problems existing in the management process and verify the use of evaluation model,from the aspect of case study enriched the research of risk management.There are 11 figures,12 tables and 45 references in this paper.