Research On Credit Risk Management Of Small And Medium-sized Enterprises In Shenyang Branch Of Guangfa Bank

With the rapid development of the socialist market economy,small and medium-sized enterprises have become an indispensable part of the modern national economy,and their profound social and economic foundations have made them the most dynamic and large-scale enterprise group in the market economy system.For commercial banks,vigorously developing SME credit business is undoubtedly the best choice to promote their long-term and high-quality development.However,the current characteristics of information asymmetry between commercial banks and small and medium-sized enterprises have caused bottlenecks in the development of small and medium-sized enterprises’ credit,and it has also made it extremely important to strengthen credit risk management for small and medium-sized enterprises.As a state-controlled commercial bank,China Guangfa Bank Shenyang Branch has always been committed to providing financing services for small and medium-sized enterprises.However,it has big problems in the credit risk management of small and medium-sized enterprises,which is an urgent research topic.It can be said that only by establishing an effective SME credit risk management mechanism,the bank can better serve SMEs and achieve their own sustainable development.First,this article starts with a basic theoretical overview of the concept and definition of SME credit,expounds the three basic theories of credit risk management,including the theory of information asymmetry,and discusses the process and characteristics of credit risk management for SMEs in commercial banks.Introduction.Secondly,this article combines the theory and actual situation to disclose the development status and risk management status of the SME credit business of China Guangfa Bank Shenyang Branch.It is found that although the bank hopes to optimize and expand the scale of SME credit business through a series of operations,The unfavorable situation in which the non-performing loan rate has been rising year by year and the loan amount has been shrinking,indicating that China Guangfa Bank Shenyang Branch has loopholes and room for improvement in the credit risk management of SMEs.Thirdly,this paper identifies the three main risk categories and ten risk sub-categories currently existing in the Shenyang branch of China Guangfa Bank by issuing questionnaires,and on this basis,uses the analytic hierarchy process to assess various risks to the bank’s small and medium-sized enterprises.The proportion of credit risk.Finally,combined with the results of risk identification and risk assessment,this thesis puts forward three aspects of risk control and response plans,including the bank’s internal risk control countermeasures,in a more precise and targeted manner,so as to improve the bank’s credit risk management for SMEs.Level,improve and optimize the risk management process,and gradually realize the gradual increase in the volume and quality of the credit business of small and medium-sized enterprises.It is also of practical significance for other commercial banks to face similar problems.