Research On Risk Control Of Credit Business Of Small And Medium-Sized Enterprises In W-Bank

In recent years,due to the impact of the epidemic and the downward trend of the economy,it has become more difficult for enterprises to operate and develop.In the process of expanding and supporting the development of the financial business of small and medium-sized enterprises,the credit risks of Chinese commercial banks have been deteriorating continuously,and the risks of some key enterprises have been exposed one after another,and the downward trend of credit asset quality has not been fundamentally improved.X-branch risk loans face greater disposal pressure.However,the government related financial institutions and their management,banks and other financial regulatory departments still issued policies,requiring national commercial banks to appropriately increase capital investment to provide financial services for small and medium-sized enterprises.How to strengthen the credit risk management level of commercial banks in the current downward time development cycle of China’s macroeconomic policy environment,so that the risk of small non-performing loans of banks is limited to a reasonable credit ceiling range,in order to achieve the stable and sustainable development of bank credit business and become a large commercial bank,it is urgent to study and solve the problem.This is also the main problem of this thesis.In this thesis,the main types of enterprise credit risk,the channels and ways of enterprise credit risk management,and the content of enterprise credit risk management are discussed.Secondly,it analyzes the current situation and problems of risk management of W Bank’s credit business.This thesis analyzes the risk management framework and process of credit operation and financial business of small and medium-sized enterprises in Bank W,as well as some problems existing in credit operation.Thirdly,the thesis focuses on the risk management problems and specific countermeasures existing in the credit business of small and medium-sized enterprises in Bank W.Through the in-depth analysis of the current situation of the development of bank risk management in the commercial credit business of W bank and the correct selection of management strategies,it is of great practical significance to promote the development of risk management in the commercial credit business of small and medium-sized enterprises of W bank and effectively promote the development of business risk management in the credit loan of small and medium-sized enterprises of Chinese commercial banks.