Research On Credit Risk Management Of Small Business Department Of JS Bank Shaanxi Branch

As an important part of all kinds of economic bodies in China,small enterprises have played an important role in promoting national economic growth and increasing the employment rate of society.The difficulty in financing is one of the main reasons that restrict their development.As the largest commercial bank in Shaanxi Province,JS Bank has identified supporting the development of small enterprises as one of its business objectives in recent years.Although from 2013 to 2017,the Shaanxi Branch of JS Bank has made nearly 10 billion yuan of loans to small enterprises under the jurisdiction of Shaanxi Province annually,which is in the leading position in the industry.But with the continuous development of small business credit business,credit risk has become the biggest problem restricting the development of JS Bank Shaanxi Branch.This paper takes the credit risk management of small enterprise department of JS Bank in Shaanxi Branch as the research object,and grasps the credit risk management strategy and status quo of small enterprise department of JS Bank in Shaanxi Branch by studying the preparation of small enterprise credit department of JS Bank in Shaanxi Branch,the loan products,total amount,structure,customers and non-performing loans.Through the research and analysis of relevant content,this paper concludes that there are four problems in the credit risk management of small enterprises of JS Bank Shaanxi Branch,such as loose credit management,discontinuous management process,incorrect management methods and poor professional skills of managers.Finally,in view of the problems existing in the credit management process of JS bank in small enterprises,four concrete measures are put forward,such as establishing the concept of credit risk management,implementing the whole process management mode of credit risk,paying attention to the innovation consciousness of credit risk management and improving the professional quality of credit risk managers.Through four improvement measures,it is helpful to improve the credit risk management level of small enterprise department of JS Bank Shaanxi Branch,and reduce the incidence of non-performing loans and non-performing rates of small enterprises.At the same time,the measures put forward in this paper can be used for reference by other banks in credit risk management of small enterprises.