Research On Credit Risk Assessment For Small And Medium-Sized Enterprises Of Agricultural Bank Of Heshuo Branch

As an important part of China's market,Small and medium-sized enterprises(Hereinafter referred to as “smes”)play an important role in the national economy and social development.However,the financing difficulties of smes have not been effectively solved for a long time.The government has issued some policies,increase the support to smes.HeShuo branch was established in 1993,have been actively responding to national policies and attaching importance to supporting smes,making certain resources as much as possible to facilitate the financing of smes.However,smes due to the imperfect,led to the credit risk is bigger,and the non-performing loans of smes are much higher than those of large enterprises.Smes credit risk management still has many problems in HeShuo branch.Therefore,it is very important to solve the credit risk management problem of smes of HeShuo branch for the sustainable development of the bank.The paper takes credit risk management of small and medium-sized enterprise in Agricultural bank of HeShuo branch as the research content.On the basis of carding the research status at home and abroad,according to the risk management process,from risk identification,risk assessment,risk control to analyze credit risk of small and medium-sized enterprise in HeShuo branch.First of all,this paper analyzes the current situation of credit risk management of Smes in HeShuo branch,and finds that there are some problems such as unreasonable post setting,imperfect risk assessment,and non-standard post-loan management.Risk management awareness is not strong,the quality of personnel needs to be improved,and the assessment and training are not in place.Second,based on the situation,established the model of credit risk of smes from three aspects,including the basic situation of small and medium-sized enterprises,the operating activities and the financial situation;Finally,aiming at the problems existing in the credit risk management of smes in HeShuo branch,to formulate risk management countermeasures from three aspects: pre-loan,loan and post-loan,includes broadening the channel of pre-loan due diligence,carrying out quantitative risk assessment in the middle of loan and strengthening the supervision of post-loan risk.At the same time put forwardthe risk management countermeasure implementation safeguard measure.This paper provides some reference on risk management for Qian Yuan Microfinance Company.It is advantageous for the Qian Yuan Microfinance Company strengthen microfinance risk management,keep the company stable development and provide more small micro enterprise financing services.At the same time,it also provides reference for other small loan companies to strengthen risk management.