The Study Of The Sme Credit Management Of Commercial Banks In Yunnan

At present, the financing for SMEs has become the major competition and new profit growth point. But there are still many problems in credit management of SMEs have caused slow growth and increased the risk of hidden dangers because of the commercial banks'own traditional management mechanism and policy-oriented and some other reasons. These problems have severely restricted the development of commercial banks'business for SMEs. The major research of this study is combined with the following three aspects:(1) Using the questionnaires for commercial banks and SMEs to investigate and describe the current situation of SME credit management of commercial banks in Yunnan.(2) According to the result of the questionnaires, there are five major problems on SME credit management of commercial banks in Yunnan that need to be analyzed.(3)In order to improving the SME credit management of commercial banks in Yunnan, we need to improving and optimizing the credit management system of commercial banks, improving its credit evaluation and information collection mechanism. Meanwhile, we should also strengthen the management of credit risk and guarantee-corporation.To exploring the problems of SME credit management of commercial bank, and making recommendations to improve the SME credit management of the commercial banks in Yunnan is the significance of this study. From this study, we can find how to develop the commercial banks'business for SMEs.