Research On Credit Risk Management Of Small And Medium-Sized Enterprises In Postal Savings Bank Of Guangzhou Branch

With the continuous improvement of Small and Medium-sized Enterprises(shorted as SMEs)in the national economy status,SMEs play an increasingly important role in employment expansion,industrial innovation,market vitality and so on.At the same time,the credit and loan market of SMEs has become a new field for commercial banks compete to enter caused by their advantage in new profit growth points.However commercial banks are usually reluctant to issue loans to SMEs in practice due to the limitations of SMEs and the defects of the credit risk management system and procedures in commercial banks.Therefore the establishment of an effective credit risk management system for SMEs will not only profit commercial banks under controllable risks,but also solve the problems of difficult and expensive financing of SMEs effectively.As one of the state-owned commercial banks,which enter the credit market of SMEs in the earliest time,Postal Savings Bank of China has native development advantages with its clear strategical positioning on SMEs.Therefore it occupied the market share rapidly.However Post Saving Bank is still lack in the experience in credit risk management and has many deficiencies in practice due to the short establishment.This paper will follow the main line of risk identification,risk evaluation and risk control,with taking Postal Savings Bank of Guangzhou Branch as the object for SMEs' credit business risk management study.The existing problems in the risk management will be concluded form three aspects as credit risk,operation risk ans external risk via the in-depth analyzing of the development and present status of Postal Savings Sank of Guangzhou Branch in SMEs credit business.The main reasons for all the risks are the shortage of risk evaluation model which can well match SMEs,the imbalance of customer structure,the overall low-level of credit staff,the imperfect internal control system and difficulties in SMEs' credit risk valuation etc.Focus on three types of risks above,firstly start from risk identification which screen out the main risk points within all kinds of risks by expert scoring method,secondly evaluate the key risk points within all kinds of risks by the analytic hierarchy process,finally targeted risk control schemes are proposed.For the credit risk of SMEs credit business in Postal Savings Bank of Guangzhou Branch,this paper puts forward some measurements as paying attention to the borrower's cash flow analysis,improving the credit rating method and so on.Operational risk management is further improved by optimizing operational risk assessment methods and the whole process of credit business.In addition,based on the particularity of external risks,the risk prevention,control and transfer are mainly relied on establishing the "optimal" asset portfolio that adapts to the economic development cycle and establishing reasonable interest rate pricing.In order to ensure the implementation of three kinds of risk management countermeasures,the Postal Savings Bank of Guangzhou Branch has formulated several supporting measures on organizational setting,technical support and personnel guarantee etc.It is expected that the study in this paper can provide methods and guidance for the Postal Savings Bank of Guangzhou Branch in the development of credit business and risk management for SMEs,so as to promote the healthy development of local small and medium-sized enterprises.