Research On Risk Management Of Small And Medium-sized Enterprise Credit Business Of M Commercial Bank

With the continuous development of China's financial reform and opening up,the importance of financial risk prevention and control is increasingly prominent.As an important part of China's economic construction,small and medium-sized enterprises(smes),due to their inherent deficiencies,are very easy to lead to the high risk of bank loans,which leads to the bank is reluctant to take loans and other problems,these problems continue to increase the pressure of bank credit risk assessment.How to improve the efficiency of Banks' credit risk assessment for smes plays a very important role in Banks' risk control,operation safety and profit growth.Based on the comprehensive research at home and abroad of M commercial Banks to small and medium-sized enterprise credit business risk management present situation and existing problems,the risk evaluation index system of selection and application are analyzed,and this paper helps to further the understanding of M commercial Banks to small and medium-sized enterprise credit business risk management mechanism,enriching and perfecting the theory and method of the research,to promoting M commercial Banks to small and medium-sized enterprise credit business risk management to provide countermeasures and suggestions.Firstly,based on the in-depth analysis of the relevant concepts and characteristics of smes,risk management and credit risks of commercial Banks,this paper analyzes the current situation and existing problems of the risk management of smes in M commercial bank.Secondly,the risk evaluation index system of sme credit business of M commercial bank was established to define the weight of the index.Secondly,the credit risks of small and medium-sized enterprises in M commercial bank were evaluated.In addition,the risk of credit business of small and medium-sized enterprises in M commercial bank is evaluated,and the risk of credit business of small and medium-sized enterprises is calculated.Finally,the establishment of credit risk early warning system and other countermeasures,as well as the implementation of the risk management of the credit business of small and medium-sized enterprises of M commercial bank put forward targeted suggestion on guarantee mechanism.The conclusions of this paper are as follows :(1)There are many deficiencies in the risk management of the credit business of small and medium-sized enterprises in M commercial Banks,including inadequate operation and management,imperfect risk control system and unprofessional personnel,which lead to the decline of credit business quality.(2)This paper set up the effective control of commercial Banks of small and medium-sized enterprise credit risk early warning system and other measures,at the same time,the application of this system shows it not only just realize the bank for small andmedium-sized enterprises credit risk quantitative evaluation,it also can effectively reduce the degree of credit risk and frequency.(3)In order to further related to the effective implementation of risk management,this paper mainly put forward targeted preventive measures from ensuring professional talents,introducing the innovation of credit risk management technology,perfecting the enterprise credit evaluation standard,optimizing of bank credit risk management system,and improving enterprise risk management consciousness.Angle of targeted preventive measures are put forward.