Commercial Banks In China Sme Credit Management

For many years, the commercial banks show discretion in credit to small and medium-sized enterprises, whereas the increasingly intense competition in the same trade demands that the commercial banks seek for a new profit growth point. And the important role of small and medium-sized enterprises in China's national economy qualifies them the new target customers of the commercial banks in achieving sustainable development, but the difficulty in financeing restricts their growth to a certain extent. Furthermore, in the future for small and medium-sized enterprises crediting by the commercial banks will be the major financing channel. As a result, how the commercial banks reaches the win-win goal in credit to the small and medium-sized enterprises comes to be an urgent task to accomplish.Considering the above-mentioned, the thesis mainly deals with credit management of the commercial banks. Based on the scientific definition of the small and medium-sized enterprises, by applying the statistical data, the thesis analyses the current situation and the causes of the situation that the small and medium-sized enterprises are difficult in gaining credit and that the commercial banks are difficult in awarding credit; Take modern medium-sized and small enterprises financing theory as commercial bank in credit to small and medium-sized enterprises conferring a basis;Combining financing theories with life cycle of the small and medium-sized enterprises and analyzing the characteristics of the small and medium-sized enterprises in different stage and the risks in credit, the thesis focuses on the problems of how commercial banks in credit to the small and medium-sized enterprises realize fund security and stable profit at the same time. And by using the American creating credit mode for reference, the thesis raises the tentative advice on how to build the system of the commercial banks creating credit to the small and medium-sized enterprises.