Research On Risk Management Of Bank J's SME Credit Business

With the continuous development of the socialist market economy of China,the number of small and medium-sized enterprises(SMEs)is increasing year by year.According to the statistics of the State Bureau of Statistics,the number of SMEs in China has exceeded 40 million,accounting for 99%of the total number of enterprises,contributing 60%of GDP,50%of tax revenue,and 80%of urban employment.It can be seen that SMEs have a far-reaching impact on the development of the socialist economy of China,the solution of employment problems,and the maintenance of social stability.However,with the increasing complexity of the external economic environment,and the weak financial resources of SMEs themselves,their stable development is bound to be inseparable from financing,especially the financial support of commercial banks.However,there are great differences between the "security" pursued by commercial banks and the "high risk" of SMEs'credit business.How to ensure the security of SMEs' credit business is the key to the sustainable and healthy development of SMEs.Therefore,it is worth thinking and studying deeply to improve the existing risk management mechanism of commercial banks and explore a reasonable credit business risk management model for SMEs.This paper takes BANK J as the research object,Based on the current situation of the credit business of SMEs of Bank J,the detailed information of 244 non-performing loan customers of SMEs and 400 credit employees of SMEs,by means of data analysis,case analysis and questionnaire survey,this paper makes an in-depth analysis of the main problems existing in the management mechanism,pre-loan investigation,control in loan and post-loan management of Bank J,it also investigates and analyzes the main factors that affect the risk management of SMEs'credit business in BANK J.On this basis,the paper puts forward some countermeasures and suggestions for the credit risk management of small and medium-sized enterprises of Bank J,it mainly includes optimizing the management mechanism,strengthening the pre-loan investigation,implementing the management and control in the loan,deepening the post-loan management,and strengthening the construction of credit practitioners.I hope this study can give the SMEs credit business of BANK J management reference,and effectively enhance the risk prevention of SME credit business.And it can also provide a useful reference for improving the risk management model of SMEs credit business of commercial banks in China,so as to promote the improvement of risk management level of SMEs credit business of commercial banks in China.