Study On The Credit Risk Management Of Small And Medium-sized Enterprise Customers Of Commercial Bank A

Small and medium-sized enterprises are an important part of the modern national economy,with a wide range of social and economic basis.About 91 enterprises in China are small and medium-sized enterprises.Because of their own characteristics,small and medium-sized enterprises are alleviating employment pressure,invigorating urban economy,meeting people's diversified and personalized needs,carrying out material and technological innovation,optimizing industrial structure,and increasing Canada's political revenue plays an important role in promoting global economic development.Based on the important role of small and medium-sized enterprises,serving the small and medium-sized enterprises well has become the competition of many commercial banks In important areas,all commercial banks have increased their credit support to SMEs.However,with the macro economy The economy has continued to decline,with falling market demand,falling or even falling product prices,rising labor costs and financing difficulties The credit asset quality of small and medium-sized enterprises with the ability to resist risks continues to deteriorate.How to do well the risk management of small and medium-sized enterprises,improve the risk control level of commercial banks under the complex environment,especially how to adopt Taking effective measures to give early warning in time and win time for active disposal has become a key issue to ensure the smooth operation of credit assets of small and medium-sized enterprise customers.This paper takes a commercial bank as the research object,on the basis of combing the concepts and characteristics of small and medium-sized enterprise customers,the concepts and characteristics of credit risk,the concepts and characteristics of small and medium-sized enterprise credit wind,the theory of information asymmetry,the theory of tree's law,the theory of credit rationing,the theory of risk coverage and receivables and other theories and relevant literature,This paper systematically analyzes the current situation of credit risk management of small and medium-sizedenterprises in a commercial bank,the existing problems in credit risk management,and the causes of credit risk management problems.From the aspects of pre loan SME customer selection and investigation,qualitative and quantitative evaluation of loan stroke test,pre-warning of post loan risk and deregulation of default risk,this paper puts forward countermeasures and suggestions for SME customer credit business risk management of a commercial bank.Finally,it improves SME risk pre-treatment ability,improves SME customer credit risk management assessment system,and establishes a correct system To improve the risk control mechanism.In order to improve the tolerance of credit risk prevention for small and medium-sized enterprises,this paper puts forward the guarantee measures for group customer credit business risk management of commercial banks.This study can provide theoretical support and practical guidance for the risk management of small and medium-sized enterprise customer credit business of a commercial bank,and also has important guiding significance for the improvement of risk management level of other similar commercial banks' small and medium-sized enterprise customer credit business.