Research On Credit Risk Management Of Small And Medium-sized Enterprise In Chengdu Branch Of C Bank

With the development of economy,small and medium-sized enterprises in the mainland have played an important role in boosting the country's progress and development,building a leading position in the market economy and maintaining social health and stability.At this stage,small and medium-sized enterprises are continuing to play an important role in steady economic growth,easing employment tensions and improving economic layout.Along with the development of small and medium-sized enterprises,there is also an indispensable new force in our banking system-small and medium-sized commercial banks.With the rapid development of small and medium-sized enterprises,the scale of commercial banks has also expanded rapidly,along with the sharp rise in non-performing loans,especially in recent years,the financial market has become more and more complex and the economic environment has become more and more competitive.In recent years,our country has issued a series of policies aimed at the financing difficulties of small and medium-sized enterprises.Despite the government's many preferential measures,the situation that financing risks lead to financing difficulties and high financing costs still exists.According to the new Basel agreement,the risks of bank operation are divided into credit risk,operational risk and market risk.With the maturity of financial market and the increase of non-performing loans,credit risk starts to become one of the most important risks.C commercial bank became the first city commercial bank in the west to realize cross-regional operation.Under the guidance of the head office,it has been continuously and excellently completing various indicators.The loan scale of small and medium-sized enterprises has been constantly increasing,along with the increase of non-performing loans and credit risk exposure.As the first long-distance branch of C commercial bank,chengdu branch of C commercial bank,under the leadership of the head bank,adapted to the macroscopic environment of sichuan economy and gradually formed the credit risk management system featured by chengdu branch.This paper first introduces the domestic and foreign about the credit risk management theory as well as small and medium-sized enterprise credit risk management of related theory,the C chengdu branch of small and medium-sized enterprises of commercial bank credit risk status quo analysis,respectively from the credit risk identification,credit risk measurement,credit risk control,credit risk management analysis of credit risk management system of the chengdu branch,and the chengdu branch 122 non-performing loans of small and medium-sized enterprises from these four aspects to analyse problem summary of each part;To extract typical cases from chengdu branch of non-performing loans of small and medium-sized enterprises in-depth credit risk identification,credit risk measurement,credit risk control,credit risk management,find out the existing problems in the four links of the credit risk identification and assessment mechanism is not perfect,asset classification audit mechanism is unreasonable,the lack of checks and balances mechanism,the small and medium-sized enterprises lack of credit rating system,risk control system implementation does not reach the designated position,risk control measures become a mere formality,did not establish a complete risk management management mechanism,personnel set unreasonable,credit risk management is not thorough,the assessment of small and medium-sized enterprises,defects and credit risk system construction lag.Finally,the paper puts forward corresponding countermeasures for the problems existing in credit risk management,that is,to perfect the whole process management of credit risk of small and medium-sized enterprises,to build an active credit risk management system,to optimize the construction of the franchise small and micro line,to reduce the information force,and to set up a line check and balance mechanism.