Case Analysis Of Credit Risk Management Of SMEs For Bank S

Since the reform and opening up,small and medium-sized enterprises have gradually become the main growth driver of China's economic growth,but the most important thing to solve is the difficulty of financing.As the main financing way to SMEs,commercial banks need to dare to undertake historical mission and escort the development of SMEs.At the same time,however,there is also a serious credit risk in the development of commercial banks' SME credit business.Once the management work is not perfect,it is easy to have credit risks,bring losses to the banks,and damage the national interests.Therefore,while advocating the development of credit business of SMEs,it has great practical value to study the credit risk management of SMEs in commercial banks.Based on the above reasons,this paper first discusses the credit risk management framework and basic principle for Small and Medium-sized Enterprises,and on this basis,expounds the implementation process,control methods and CRM.Secondly,with S Bank as the research object,this paper analyzes the credit risk management of S-bank SMEs,finds out it's shortcomings,and explores the causes of S-bank SME credit risk management problems,and proposes corresponding solutions to the The theoretical reference of credit risk management for SMEs in commercial banks.Through the research of this paper,the main research conclusions are drawn: S Bank has problems in credit policy and system,credit risk management system,credit rating of credit enterprise,credit approval mechanism,credit risk early warning mechanism,etc.Mainly because the relevant system is not perfect,the process of risk prevention is not well managed,the credit evaluation system is imperfect,the business quality of credit officers needs to be improved,and the risk management culture is “missing” and other factors.Based on the research conclusions,the countermeasures for further improving the credit risk management of S-bank SMEs are:(1)strengthen risk management awareness;(2)adjust organizational management structure;(3)establish and improve scenario analysis mechanism;(4)accelerate small and medium-sized Optimize the credit management process of the enterprise;(5)improve the credit risk assessment mechanism of SMEs;(6)establish and use effective CRM.