Research On Credit Risk Assessment And Prevention Of Small And Medium-Sized Enterprises In CS Branch Of China Citic Bank

SMEs have become an important economic driving force in China,and there are numerous special studies on SME credit financing.Compared with the multi-channel financing model of large enterprises,the SME industry faces many problems such as low financing costs and high financing costs.At present,China's SMEs mainly exist at the end of the industrial chain,and with the improvement of national productivity,the unsuccessful profits of SMEs are still decreasing.The decline in the economic situation in recent years has also caused more and more enterprises to face operational problems,which has led to the gradual increase of bank bad debt rates.The author of this paper has working experience in the SME credit business department of CS branch of commercial bank.Through analyzing the current business process and risk control process of CS branch in SME credit business,it finds some practical problems faced by CS branch SME credit business.And through the theoretical knowledge learned,a number of improvements have been proposed.I hope that this paper can be used for reference by peers to improve the credit risk prevention and control capabilities of commercial banks.