The Study On Problems And Countermeasures Of Credit Risk Management For Small And Medium-Sized Enterprises Of L Bank

L bank is a city commercial bank.In recent years,L bank is faced with severe credit risk problems,mainly reflected in the rising non-performing loan ratio.By the end of 2017,the non-performing loan ratio of L bank was 2.4%,and it was still on the rise.The total amount of loans above concern category accounted for 25.58% of the total amount of loans,accounting for a quarter of the total amount of loans.Among all overdue loans,the proportion of small and medium-sized enterprises was as high as 76.74%.The high rate of non-performing loans reflects the serious credit risk management problems of small and medium-sized enterprises of L bank.L bank's current credit risk management model has not played its due role,making it difficult for L bank to achieve its goal of risk control.The risk management problems of L bank were summarized and summarized from the perspectives of pre-loan investigation,loan review and post-loan management through the preliminary investigation,the issuance of questionnaires and the recovery analysis.Pre-loan investigation mainly involves the two problems that pre-loan investigation cannot accurately grasp enterprise information and credit customers are concentrated in a certain industry.The main problem of loan review is that loan review cannot effectively identify credit risks.The main problems involved in the post-loan management include: inability to effectively track the loan flow after the loan is issued;difficulty in mastering the enterprise information in real time after the loan is issued;difficulty in achieving effective withdrawal of high-risk loan enterprises;and too long disposal time of non-performing loans.It can be found that the main causes of these problems are as follows: 1.2.Lack of professional credit team;3.Backward scientific and technological level;4.Lack of effective incentive mechanism of rewards and punishments;5.Lack of effective customer access and exit mechanism;6.Unreasonable credit system and product design.In view of the problems existing in the risk control of L bank,the following Suggestions are put forward: 1.2.Improve the assessment mechanism;3.Increase investment in science and technology and improve system design;4.Introducing the "credit factory" model;5.Build a professional credit team.Based on the relevant risk management theory,this paper analyzes the current situation of risk management and control of L bank,finds out the problems,analyzes the reasons,and finally proposes the corresponding improvement countermeasures,which has important practical significance for L bank to reduce the non-performing loan ratio,improve the credit quality and develop healthily.