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Research On Credit Risk Management Of Commercial Banks To Small Enterprises

Posted on:2018-01-08Degree:MasterType:Thesis
Country:ChinaCandidate:Y FangFull Text:PDF
GTID:2439330602459341Subject:Business administration
Abstract/Summary:PDF Full Text Request
With therapid development of the market economyand the rising prosperityof economic and financial markets,small and medium-sized enterprises are getting increasingly strong and have become an important component of our national economy and the most dynamic group.As small enterprises grow fast,more and more constraints appear in the course of its development.The most impressive problem facing the SMES is insufficient funds.Finance difficulties are always one of the constraints preventing the development of SMES.Credit Loan Transaction of SMES isnow a major battle ground for commercial banks,and also the strategic choice for restructuring,reducing risks and maintaining sustainable and stable development of commercial banks.This paper,from the perspective of commercial banks,summarized the characteristics of business model,capital requirements and usage feature of SMES,as well as the analysis of the risk factors and operation characteristics of the SMES.Based on the case study of the Bank of Communications,Taizhou Branch,to get the first-hand information from the on-site research,and to collect and summarize the SMES' credit situation and the risk control system by analyzing the SMES' credit policy and the risk control measures of the Bank of Communications,Taizhou Branch.Based on the own works to analyze the organization structure of the SMES' credit system and the credit extension process in accordance with various small cases.The Bank of Communications,Taizhou Branch,although has some risk cases in the economy fluctuation,effectively controlled most of the risk through the SMES'credit risk management and risk control methods,measures and rules.This paper collected the experience from SMES' credit management of the Bank of Communications,Taizhou Branch,and provided the summarization of the policy,measures and process,which shall be spread and be shared with other commercial banks in their SMES' credit service and to help commercial banks solving the financing problem of the SMES and to shoulder their social responsibility as commercial banks.
Keywords/Search Tags:commercial banks, the SMES, credit risk, risk management
PDF Full Text Request
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