Research On The Credit Risk Management Of SMEs In Bank B A Branch

SMEs play an important role in our country's economic development and are an important market entity in our country's socialist market economic system.They have made great contributions to our country's economic growth and social development.SMEs need bank credit support in the process of business development.However,due to the high default risk of SMEs and the low level of risk management of domestic commercial banks for SMEs,the problem of SMEs' financing difficulties has not been effectively solved.As a large state-owned commercial bank,branch A of Bank B has lagged in the development of the credit business of SMEs in recent years,and the credit risks of SMEs have also been continuously exposed.The establishment of a scientific SMEs credit risk management system to improve the credit risk management level of SMEs has become an urgent problem for Bank B and A branch.In order to effectively improve the credit risk management capability of SMEs in Bank B A branch,this thesis combines the risk management theory of commercial banks,based on finance,management and other disciplines,using literature research and case study methods to illustrate the Credit risk management system for SMEs in Bank B A branch,find out the existing problems in the current SMEs credit risk management system of Bank B A branch and analyze the causes,and finally put forward targeted optimization strategies for the credit risk management of SMEs for Bank B A branch.First of all,this thesis elaborates on the definition criteria of SMEs,the basic connotation of credit risk,the characteristics of SME credit risk and related theoretical basis.Secondly,this article uses Bank B A branch as an example to explain its SME credit risk management system,introduces the development status of the SME credit business of Bank B A branch and the methods and characteristics of SME credit risk management,including credit risk for SMEs Management system,SME credit risk process management,SME credit rating system.Thirdly,this paper focuses on the management system in the SME credit risk of Bank B A branch is not suitable for the development of SME credit business,SME credit risk control ability is weak,credit ratings are not established around the characteristics of SMEs,and lack of comprehensive risk warning and explore the causes of the issues.Finally,based on the existing problems in the credit risk management system for SMEs in Bank B A branch,corresponding optimization strategies were proposed from multiple perspectives,including improving the credit risk management system for SMEs,improving the existing SME rating system,innovating SME credit products,Improve the early warning mechanism of credit risks for SMEs and cultivate a credit culture for SMEs.In summary,this paper has a certain reference effect on the improvement of credit risk management of commercial banks in our country for SMEs.