Research On Credit Risk Management Of Small And Medium Sized Enterprises In G Commercial Bank

With the continuous development of the market,the financing demand of small and medium-sized enterprises is increasing.With the support of the national policy,various types of commercial banks have begun to appear and achieved better development.They have provided support for SMEs' credit and become the best financing scheme for SMEs.G Commercial Bank is one of the representatives.Through the comprehensive evaluation of banks and SMEs,we can find that the G commercial bank system is backward,there are many instability of SMEs,which makes the risk more and more unpredictable.How to solve the credit risk of small and medium-sized enterprises in G commercial bank has become the core and main topic of its management.Based on the research of G Bank,this paper studies the credit risk management of small and medium-sized enterprises in G Commercial Bank through the combination of literature research and model building.Firstly,this paper analyzes the credit situation of G commercial bank,finds out the main risk problems according to the current situation,identifies the risks of G commercial bank according to the problems,and establishes a model to evaluate and analyze them.Finally,it concludes that the main risk types of G commercial bank are SME credit risk,G commercial bank credit audit risk and moral risk.And operational risk.Through this study,identified the main risk categories of G commercial bank at this stage,and related risk control programs and safeguards formulated.The analysis aims to solve the credit risk of G commercial bank,so as to serve the whole market more efficiently,and provide reference for improving the credit management mechanism.