| Small and medium-sized enterprises(SMEs)are an important component of China’s economy.According to the "Statistical Classification of Large,Medium,and Micro Enterprises(2017)" issued by the National Bureau of Statistics in 2018,about 99% of China’s enterprises are SMEs in scale.Given the characteristics of small and medium-sized enterprises,they play an important role in solving employment,activating the market economy,meeting people’s personalized needs,technological innovation,optimizing industrial structure,and increasing taxes,thereby promoting the development of China’s economy.Based on this,various commercial banks have increased their support for credit funds for small and medium-sized enterprises to promote their rapid development.However,as the macro economy continues to decline,the quality of credit assets for small and medium-sized enterprises with weak risk resistance continues to deteriorate due to factors such as declining market demand,falling product prices,rising labor costs,and difficult financing.Therefore,how to do a good job in the risk management of small and medium-sized enterprise credit business,improve the risk management level of commercial banks,especially how to take effective measures to timely early warning,and win time for active disposal,has become a key issue to ensure the smooth operation of small and medium-sized enterprise customer credit assets.Based on the current situation of credit business risk management of small and medium-sized enterprises in Bank of Zhengzhou Z Branch,this paper analyzes and studies the problems existing in the credit risk management of small and medium-sized enterprises in Bank of Zhengzhou Z Branch,such as incomplete pre loan investigation,asymmetric information,imperfect approval and evaluation early warning mechanism,inadequate post loan management,and incomplete supporting measures Based on theories such as information asymmetry theory,big data risk control,and related literature,combined with the existing risk control system of Bank of Zhengzhou Z Branch and actual non-performing credit cases,this paper systematically analyzes the problems existing in the risk management of small and medium-sized enterprises’ credit business,and finally provides practical and feasible improvement measures for the credit risk management of small and medium-sized enterprises of Bank of Zhengzhou Z Branch.The research in this article can provide theoretical support and practical guidance for the risk management of small and medium-sized enterprise customer credit business in Bank of Zhengzhou Z Branch,and it is hoped that it will have reference significance for Bank of Zhengzhou or other similar commercial banks to improve the risk management level of small and medium-sized enterprise credit business. |
