Research On The Risk Management In Private Enterprise Credit Business Of Sh Bank Hangzhou Branch

After 30 years of development,as an important part of China's economy,the private economy has developed rapidly,and it has made tremendous contributions to tax revenue growth,employment recovery,social stability and domestic demand.In 2018,President Xi emphasized that the Party Central Committee will always supports the development of the private economy.It corresponds to a series of policies that have been intensively introduced from the central government to the local government in the past six months.The business environment has been continuously optimized,but the bank loans of private enterprises have been raised.It is still a big problem on its development path.The main reason for the cost of private enterprise loans is that loans are difficult,and the main reason for the difficulty of loans is the imbalance of loan supply and demand.From the theoretical perspective of mainstream economics,using Pareto optimal to measure the allocation of information resources.It is possible to improve the situation of all through an appropriate allocation or compensation measure.The problems exposed by the private economy in private enterprises in the new situation pose a certain threat to the quality of credit assets of banks.Whether it is the equity structureof private enterprises,internal management,deterioration of main business or moral hazard,banks are now reluctant to lend.The important reason,but more inspiration than the external reasons,is that the internal risk management of private enterprises still needs to be improved.From the bank's point of view,for the city commercial banks that have reached a certain scale,cross-regional operations are imperative.SH Bank is the first city commercial bank in the country to open branches in different places.The research object of this paper is SH Bank Hangzhou Branch.As a cross-regional operating agency of a city commercial bank,the branch is located in an important position in the Yangtze River Delta with strong economic vitality.Moreover,the Yangtze River Delta region has experienced more rounds of economic cycles.The private economy in the region has been relatively developed,and its private credit risk management is somewhat representative.Private enterprises are an important part of China's economy and an important customer group of SH Bank Hangzhou Branch.Although the survival status of private enterprises has been worse in recent years,the credit risk of private enterprises has risen to varying degrees,but private enterprise credit is still an indispensable business..The operation of private enterprises is more flexible,but the expansion of private enterprises in the economic upswing is not prepared for the economic downturn,and the banks are also in the extensive development of the economic upswing,and they are not prepared for the economic downturn,and are in safety.It is considered that banks in the new stage will inevitably implement stricter approval policies for private enterprises.This paper adopts theoretical research,case analysis and comparative analysis.Based on the research of credit management at home and abroad,this paper focuses on the current situation of credit assets of private enterprises in SH Bank Hangzhou Branch,and discusses the problems andcauses of credit risk control of private enterprises in SH Bank Hangzhou Branch.Finally,it is proposed to start from the system refinement and establish an identifiable and manageable credit business management system.The main contents of this thesis are as follows:1.The background and significance of this paper are briefly described.2.The research theories of foreign scholars on corporate financing and the qualitative and quantitative analysis of domestic scholars' credit business management of private enterprises are reviewed.3.This paper introduces the history and development status of SH Bank,and introduces the present situation of Hangzhou Branch and the characteristics of credit assets in detail.4.Analyze the historical position and development status of private enterprises in China,and summarize the difficulties and reasons for financing of private enterprises.And through the case description,the bank needs to identify and prevent the risk characteristics of private enterprises;5.Finally,put forward the countermeasures and suggestions for the optimization of private enterprises in SH Bank Hangzhou Branch,which needs to be refined from the three stages of pre-lending,lending and post-lending.Make more refined optimization.