Study On Optimizing The Credit Risk Management Of Small And Medium-sized Enterprises In Agricultural Bank Of China C City Branch

Small and medium-sized enterprises(SMEs)play an important role in China's economic development.The healthy and rapid development of SMEs cannot be separated from financial support.Credit funds of commercial banks are an important source of financing for SMEs.Improving the credit risk management system of small and medium-sized enterprises in commercial banks is not only of great significance to the healthy and rapid development of small and medium-sized enterprises,but also helps commercial banks to improve their profitability in the current competitive situation.Agricultural Bank of China(ABC)is the backbone of providing financial services for small and medium-sized enterprises,so it is particularly important to do a good job in credit risk management of small and medium-sized enterprises.C city is an important city in Southern Jiangsu National Independent Innovation Demonstration Zone,and one of the cities with the highest density of small and medium-sized private enterprises.This paper takes ABC C city branch as the research object,expecting to find out the problems existing in the risk management system of ABC,and put forward suggestions for improvement measures to promote the healthy development of ABC.Firstly,the relevant theories and literature of SMEs credit risk management are sorted out.Secondly,combining the economic characteristics of C city and the financing characteristics of small and medium-sized enterprises,the current situation and existing problems of credit management of ABC in this city are analyzed and studied.Finally,from the five dimensions of risk management concept,pre-loan investigation,loan review,post-loan risk monitoring,big data technology support,the comprehensive and three-dimensional optimization of all aspects involved is discussed.This paper is based on the ABC C city branch,which can be used for reference by other commercial banks.The optimization method proposed in this paper can be combined with theactual situation,and has a certain practical significance for promoting the development of credit risk management of small and medium-sized commercial banks.