Research On The Optimization Of Credit Management Of Small And Medium-Sized Enterprises In S Branch Of Huishang Bank

The development of small and medium-sized enterprises has always been in the objective reality of "financing difficult" and "expensive financing".Due to their small operation scale and irregular management,small and medium-sized enterprises affect the financing and credit management process of small and medium-sized enterprises,and the financing risk factors are also increasing.This paper is based on the information asymmetry theory and the comprehensive risk management theory,Using the related research methods,including interview,data statistics and literature analysis,Study on the credit management of SMEs in S Branch of Huishang Bank,Provide detailed solutions to the existing problems,Realize the following research results: First,For the development characteristics of SMEs,Analysis its credit problems and service background,Help the small and medium-sized enterprises to develop rapidly and healthily;next,Based on the analysis and extraction of the relevant research results and successful cases,Interviews and analyze the status of credit management and causes of small and medium-sized enterprises in S Branch,Set the foundation for the solution;once more,Improve the credit management strategy for SMEs in S Branch,Establish a credit management and access mechanism for small and medium-sized enterprises,Innovate the guarantee and mortgage management system of small and medium-sized enterprises,Strengthen the credit management and control of small and medium-sized enterprises,And to describe the corresponding solution measures in detail;last,From organizational management,information technology and human resources,The guarantee measure of SME customer credit management strategy is proposed.The research results of this paper have a positive impact on the credit management strategy of SME in S Branch of Huishang Bank,and provide reference for the credit management problems of other similar banks.