A Case Study On Credit Risk Management Of SMEs In PA Bank

In recent years,China’s market economy has been growing rapidly,and the gross national product has been increasing.Since the 19 th National Congress of the Communist Party of China,China’s economic system reform has been advancing steadily and made remarkable achievements.With the continuous innovation of the opening mode of the financial market,the modern financial system is becoming more perfect,and the financing channels of enterprises are more diversified.At the same time,with the improvement of the efficiency of financial resource allocation,the ability of banking and other credit financing institutions to serve the real economy and the Internet economy is further improved.Therefore,the modern economic system is facing external shocks and offsets The ability to prevent financial risks has been significantly enhanced.Nowadays,large and medium-sized enterprises are springing up in China,but the development of small and medium-sized enterprises in China is not as smooth as that of large-scale enterprises in China,which is mainly reflected in many restrictions and restrictions on financing demand.In these problems,especially in the case of "financing difficulties of small and medium-sized enterprises",the most serious impact on the growth of small and medium-sized enterprises.Because in general,the growth of small and medium-sized enterprises depends entirely on bank loans to maintain their daily business turnover.Therefore,how to provide financing for small and medium-sized enterprises has always been a problem worthy of in-depth study in the banking industry.Therefore,this paper mainly studies and analyzes the credit risk problems that banks encounter when they carry out the credit business of small and medium-sized enterprises.This paper mainly includes the following parts,the introduction,the first part is to introduce the background,significance,content and research methods of the article;the second part is to introduce PA bank and introduce the basic situation of the credit business of small and medium-sized enterprises carried out by PA bank and the comparison of non-performing loans in the same industry.The third part is to analyze three typical cases of PA bank and find out the causes of the problems when PA bank carries out the credit business of small and medium-sized enterprises.Finally,this paper summarizes the above problems and the causes of the problems,and gives the countermeasures and suggestions on how to improve the credit risk management of small and medium-sized enterprises.It is hoped that this study on the credit risk of small and medium-sized enterprises in PA bank will make you understand the theory of credit risk management,and have certain guiding significance and reference value for PA bank to carry out its own credit business of small and medium-sized enterprises in the future.