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Research On Credit Risk Control Of Small And Medium-sized Enterprises In Jiangxi J Commercial Bank

Posted on:2021-01-31Degree:MasterType:Thesis
Country:ChinaCandidate:J L XieFull Text:PDF
GTID:2439330629988508Subject:Business Administration
Abstract/Summary:PDF Full Text Request
There are many theories of credit risk control,but there are many problems in the practical operation.Because the credit link belongs to the core profit link of commercial banks,and commercial banks are the cornerstone of the financial industry,the quality of credit risk control will affect the direction of the financial industry and even the national economy to a certain extent.In recent years,with the slowdown of China's economic growth,the risk control and security of credit funds are increasingly concerned by the state and society.How to design a reasonable control system,implement control measures,make credit risk in a controllable range,and timely and effectively resolve the risk is an important topic.At the same time,our country strongly supports the development of small and medium-sized enterprises.As an important leader of our economy,small and medium-sized enterprises contribute most taxes and absorb most labor force.Their healthy development and sustainable operation will become an important indicator to measure the health of our economy.Therefore,the credit risk control of commercial banks for small and medium-sized enterprises has become an important project related to the stability of the financial system,the profits of commercial banks and the economic development and national rejuvenation of our country.In this context,it is of great significance to study the credit risk control of SMEs in Jiangxi J commercial bank.Jiangxi J commercial bank moved into Jiangxi in 2008.After entering Jiangxi,it first established the general strategy of supporting small and micro enterprises.With the large-scale development of small and micro enterprises in 2013,the credit scale of Jiangxi J commercial bank for small and medium enterprises did not expand.It can be said that Jiangxi J commercial Bank firmly practices the strategic goal of Inclusive Finance to support the development of small and medium enterprises.However,we should also see that most of the small and medium-sized enterprises in Jiangxi belong to the primary processing and manufacturing industry,with small size and insufficient innovation capacity.With the occurrence of Sino-U.S.trade war since this year,and China's economy began to slow down,and the outbreak began,various factors led to the increasing risk of credit funds of small and medium-sized enterprises,which led to the non-performing loan rate of Jiangxi J commercial bank also increased year by year.Therefore,this paper obtains the relevant data of the credit risk management system of Jiangxi J commercial bank in the form of questionnaire,studies the index composition of its credit risk control system for small and medium-sized enterprises,combs out the current situation of credit risk control of Jiangxi J commercial bank,and sorts out the information asymmetry,imperfect business process,difficulty in system implementation and lack of talents through the analysis of the current situation In view of the above problems,four solutions are put forward to improve the risk management assessment system,business process,compliance management and staff education.Credit risk control is a method and means to reduce the operational risk of commercial banks,ensure the sustainable operation of enterprises and stabilize the national economic lifeline.This paper puts forward corresponding improvement suggestions for the problems existing in the credit risk management of small and medium-sized enterprises of Jiangxi J commercial bank,which has certain reference significance for improving the existing credit risk management system of commercial banks,improving the effect of risk early warning,and making it a stabilizer of commercial banks.
Keywords/Search Tags:Credit risk management, Small and medium-sized enterprises, J commercial bank
PDF Full Text Request
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