A Study On Government Supervision Of Credit Risk Of Small And Medium-sized Enterprises In Commercial Banks

With the development of economy,our country economy reforms strength to increase ceaselessly.In China,commercial Banks play an important role in the financial industry and play a key role in the development of the banking industry.In the process of China's financial system reform,commercial Banks are an essential part.In recent years,the financial industry is facing increasingly severe international competition.For the banking industry,only by accelerating the pace of reform can it adapt to the development of The Times.However,there are a lot of unpredictable factors in the development of the banking industry,especially the risk management of state-owned commercial Banks.In the process of measuring whether a country's economy is in stable operation,commercial Banks play an irreplaceable core role.Therefore,commercial Banks have attracted great attention from all countries in the world.At present,China's banking supervision system is in constant development and change,and risk supervision will inevitably become a reality step by step.Only by putting commercial banking supervision in the first place can China's commercial Banks be stable.Small and medium-sized enterprises play a decisive role in the contribution of Chinese enterprises.The development of small and medium-sized enterprises is related to the national economy and people's livelihood.Credit of small and medium-sized enterprises in commercial Banks is a key problem.In China,the government and the organizations set up by the government are the main body to supervise financial institutions,and the supervision of commercial Banks is no exception.How to let commercial Banks have room for development,let small and medium-sized enterprises financing is not difficult,this problem is worth discussing.Therefore,in this paper,combining with the current our country commercial bank supervision system,the function of the government in the commercial bank risk management in-depth exploration,this paper focuses on the content of the government supervision and management of commercial Banks,the government role in financial supervision and regulation has carried out extensive research,take measures to regulate financial management issues,small and medium-sized enterprise credit risk in commercial bank,analyzes the existing problems and reasons of hope to have a positive expected effect.Combined with the current market environment,commercial Banks in the study of small and medium-sized enterprise credit risk management process,to be clear,the function of the government in further government stressed about small and medium-sized enterprises(smes)in the commercial bank credit managementresponsibility,and exposed the shortcomings of current conducted extensive research,puts forward reasonable strategy,to the government about the small and medium-sized enterprises(smes)in the commercial bank credit risk management methods in the conducted analysis,hope to promote the cooperation with small and medium-sized enterprises to improve Chinese commercial Banks,make it show more important role in the economic development of our country.