Research On Credit Risk Management Of Small And Medium Enterprises In Agricultural Bank Of China C Branc

The credit business of small and medium-sized enterprises is a very important business of commercial banks.With the support of national policies,commercial banks have increased credit to small and medium-sized enterprises year by year,and the scale of credit business of small and medium-sized enterprises keeps increasing.However,as China’s economy enters a period of adjustment,the operation of small and medium-sized enterprises in China is facing great pressure.In this context,the balance of non-performing loans and the ratio of non-performing loans in the credit business of small and medium-sized enterprises of many commercial banks are also increasing year by year,which raises the requirements for the credit risk control of small and medium-sized enterprises of commercial banks.Based on this,this paper carries out research on the subject of credit risk management of commercial smes.This article mainly adopts the literature analysis,case analysis,empirical analysis and other research methods,the agricultural bank C branch as a case study,from the ABC C branch based on the domestic of all kinds of enterprises to carry out targeted analysis on the implementation of the credit financial business,demonstrates the problems existing in the process of business development in related products and perfecting the credit risk management measures are put forward.Through the execution strategy optimization,to promote stable and rapid development of small and medium-sized enterprise credit business at the same time,further help defuse financial institutions,such as commercial Banks in the current financial market environment of credit risk,for the majority of the development of enterprises to create a good environment,promote healthy and stable development of small and medium-sized enterprise credit business of commercial bank.This paper is mainly divided into six parts,the first two parts are mainly introduction and commercial banks sme credit risk management theory.The third part is the status quo and case analysis of the credit risk management of small and medium-sized enterprises in THE C Branch of Agricultural Bank of China.It mainly expounds the development status and management process of the credit business of small and medium-sized enterprises in the C Branch of Agricultural Bank of China,and conducts empirical analysis and specific case analysis on the C branch.The fourth part is the analysis of the causes and existing problems of credit risk management of smes in C Branch of AGRICULTURAL Bank of China.Combined with the specific content of the third part,it points out the problems existing in the credit risk management of small and medium-sized enterprises,and puts forward the decision-making basis for the next solution.The fifth part puts forward suggestions on the optimization of credit management of smes in C Branch of Agricultural Bank of China.In view of the problems in the fourth part,specific measures to solve the problems are given.Firstly,we should optimize the structure of credit industry;Second,we should optimize the guarantee mode of smes’ credit business,not only pay attention to the first repayment source of smes,but also innovate the management mode of smes’ credit guarantee;Third,we should optimize the credit access system for small and medium-sized enterprises,constantly improve the banking management and control system,and speed up the launch of online products.Fourth,it is necessary to strictly control the credit business process of small and medium-sized enterprises,do the "real" pre-loan authenticity investigation,do the "real" pre-loan authenticity investigation,do the "fine" lending link and do the "real" post-loan management,strengthen the risk prevention and control in key areas and links;Fifth,it is necessary to deepen the construction of credit team and credit culture.The sixth part is the conclusion and prospect.In this paper,through the study of commercial bank credit risk management of small and medium-sized enterprises,to explore how to reduce the risk on the premise of expand lending to small and medium-sized enterprises,this article puts forward the specific countermeasures,for agricultural bank C branch to strengthen the management level of credit risk,better meet the small and medium-sized enterprise credit risk situation,will be more conducive to when lending to small and medium enterprises to make accurate judgments,To improve the quality of assets has important and certain reference value.