The Research On Credit Risk Management Of Small And Medium-sized Enterprises In A Commercial Bank Chongqing Branch

With the continuous development of China’s market economy,SMEs have become increasingly prominent in China’s economic construction and have made tremendous contributions to the sustained,healthy and rapid development of the national economy.However,in recent years,China’s macroeconomic downward pressure has continued to increase,the living environment of SMEs has been deteriorating,and business development has entered a bottleneck period.Many SMEs are even facing the crisis of the capital chain breaking and being eliminated by the market.The competition among banks has become increasingly fierce.Some banks have even lowered their risk control standards in order to develop their business.As a result,the credit risk of SMEs has continued to increase.The non-performing loan ratio of banks has continued to increase and the operating profit has decreased year by year.A Commercial Bank Chongqing Branch is a joint-stock listed commercial bank.The SME credit business has always been one of the bank’s important businesses.With the expansion of SME credit business,the Bank is also facing a series of credit risks such as rising non-performing assets and increasing credit default.Problem.This paper aims to analyze the current situation,problems and causes of credit risk of SMEs through the combination of macro and micro,and propose effective measures for SME credit risk reduction and continuous improvement,in order to realize the stable and healthy development of credit business of A Commercial Bank Chongqing Branch.Firstly,this paper summarizes the theory of credit risk management identification and control through literature research method,sorts out the characteristics of SME credit risk,and establishes the analysis framework of SME credit risk management of A Commercial bank Chongqing branch.Secondly,through research interviews,A Commercial Bank Chongqing Branch’s SME credit risk status,management system and Company B’s credit case were fully grasped.On this basis,it was pointed out that the commercial risk exposure of SME credit risk of A Commercial Bank Chongqing Branch continued to increase,and the risk management foundation was seriously untrue,the credit risk measurement technology is backward,and the incentive and restraint mechanism is imperfect.The four problems above are highlighted.Then,the root causes of the problem are analyzed from the three aspects of SMEs,the bank itself and the social environment.Finally,in view of the existing problems and their causes,according to the credit risk management theory,the improvement plan of SME risk management is proposed.It mainly includes: deepening the adjustment of credit structure,continuously adjusting the quality of assets,improving the risk management system,strengthening the construction of institutional mechanisms,improving the risk management technology with big data,optimizing the incentive and restraint mechanism,etc.,so as to systematically build a comprehensive improvement system for SME credit risk management of A Commercial Bank Chongqing Branch.The conclusion of the study has important guiding significance for promoting the development of SME credit business of A Commercial Bank Chongqing Branch and improving its credit risk management ability.At the same time,it has certain reference value for SME credit risk management of similar financial institutions in the same industry.In particular,it also contributes positively to alleviating the financing problems of SMEs and achieving the sound development of SMEs.