The Research Of SNE Credit Business Risk Management System In Bank Of China H Branch

How to solve the financing dilemma of small and medium-sized enterprises has always been a difficult problem for China's economic development.As China has entered the new normal of the economy,many small and medium-sized enterprises have encountered operational difficulties and frequent bank credit risks,leading to a serious downward shift in bank asset quality.This paper mainly through the study of H branch current small and medium-sized enterprise credit system,combined with risk assets under the current system data analysis causes and bad case analysis,weakness of H branch of the small and medium-sized enterprise credit risk management and the insufficiency is induced and summarized,aiming at the problems found by way of advice to process carding and research,better prevention and control of small and medium-sized enterprises credit risk to the banking system to provide the reference and reference.After the basic theory expounded and background analysis,this article first through to the small and medium-sized enterprise credit combed the whole process of H branch,respectively,from before the credit investigation,credit review and post-loan management three main links of H branch of small and medium-sized enterprise credit risk control methods are studied,and the research content object is mainly each link of credit risk identification and prevention and control methods and measures,as well as the basis of the above means and function,through the systematic research for the following data analysis and case analysis to provide a blueprint.Secondly,according to the data obtained from the business and the typical cases of H branch of small and medium-sized enterprise credit risk management,and combining the credit blueprint for the detailed solution,gives a practical guidance and advice,including strict entry requirements,strengthening credit project process management,improve the comprehensive management ability and reshape the credit culture,etc.Finally,the article made a summary,and points out that the small and medium-sized enterprise credit business,as one of the H branch emphasis in the future,in the new normal,in the face of small and medium-sized enterprise credit frequent adverse,asset quality banking system under the challenge of moving,it should be ready to risk management,through the above study of H branch of the small and medium-sized enterprise risk identification system and the analysis of the case,points out its main problems at present management environment,such as the internal risk management idea lag,inexperienced business personnel,of that risk management process can be evaded,advancing slowly personnel team construction,implementation does not reach the designated position of post-loan management;As well as the main reasons for the credit risk of small and medium-sized enterprises,the external reasons are mainly the deterioration of the external economic environment and the sustained low operation of the macro economy,the small and medium-sized enterprise customers' own business risks gradually exposed,and with the spread of capital chain,supply chain and guarantee chain,the credit risk rapidly increases.The internal reasons are mainly reflected in the shortcomings of personnel business quality,process structure and risk control strategy.H branch of the small and medium-sized enterprise credit management need improve optimization,according to the result of the analysis research,put forward to optimize each link of H branch,including strict entry requirements,strengthening credit project process management,improve the comprehensive management ability and reshape the credit culture,finally set up scientific,perfect small and medium-sized enterprise credit risk management system.Through systematic research,this paper mainly carries out countermeasures and Suggestions from four aspects: strict access requirements of credit granting process,strengthened management of credit granting project process,improved comprehensive management ability and reshaping credit culture.In terms of strict access requirements,we will focus on strict access requirements for industries and customers,regions and institutions,guarantees and qualifications.In terms of strengthening the process management of credit granting projects,Suggestions are given on strengthening pre-loan investigation management,responsible person risk responsibility management,project review and approval management,release audit management,post-loan inspection management,anti-money laundering and sanctions compliance management,and risk asset management.In terms of improving the comprehensive management ability,it focuses on H branch's big data application ability,customer hierarchical management ability,problem self-examination and correction ability and system implementation ability.Finally,as a bank financial institution,under the impact of the current industry competition,H branch needs to reshape its credit culture,from strengthening management accountability,fulfilling duty exemption,strengthening case reflection,and conducting multi-level and differentiated training for its employees.