The Research Of Construction Bank Of China Liaoning Branch Credit Risk Management Of Small And Medium-Sized Enterprise

By the Construction Bank of China Liaoning redit risk control management system,the status quo for most SMEs, their long-term development and financing are constrained bythe original commercial bank credit management system. With the further development ofmarket economy, SMEs in the economy as a whole circle occupied the place. How to makethese SMEs develop? Commercial financing is the best way. However, the commercial banksfor avoiding their own financial risk, SME financing appears to be extremely cautious. So,access to commercial bank credit support SMEs that is difficulty. However, it must beadmitted that their own development needs of commercial banks is the SME’s strong demandof the credit funds. Therefore, the commercial banks establish a sound and reasonable SMEcredit risk control system to solve that SMEs is necessary of fund, which is commercial bankfinancial regulatory innovation and expanding their own development needs, but also SMEsdevelopment needs. Therefore, for the Construction Bank of China Liaoning, it isimperative to establish an effective SME credit risk control system, to improve the efficiencyof SME credit, in order to solve more and more SME credit financing problem.In this thesis, this largely from the six areas are described in detail, as follows:Part I: Introduction. Important expounded in the first part of this research background,significance, research ideas, research methods, while emphasizing the economic status andhistorical status of SMEs in national economic development, as well as China’s commercialbanks to grow and develop in facing complex domestic and international economicenvironment.Part II: Overview of the theory. Related basic theory in this part of the study, a briefoverview of characteristics, types of financing trends of the commercial banks in SME creditrisk control in China’s economic and social, indicating that as China’s socialist marketeconomic system process, the commercial banks in SME credit risk control and managementshould intensify efforts to provide financial support for SMEs to further develop and expand.Part III: analysis of SMEs credit risk control management status of the ConstructionBank of China Liaoning in this mainly part. Here, the author studied the Construction Bankof China Liaoning SME credit risk control and management issues related to these problems include the following aspects: First, the status quo of credit business developmentof SME credit risk management of the Construction Bank of China Liaoning; two is toanalyze the management status of the Construction Bank of China Liaoning SME creditrisk control system; third is analyzed and discussed issues related to Construction Bank ofChina Liaoning SME credit risk prevention process. Conducted in-depth analysis of thesethree aspects of the problems is on their own views and research findings.Part IV: In-depth analysis of SME credit risk control issues and root of the ConstructionBank. of China Liaoning In this chapter, the mainly problems of SME credit risk controlmanagement of the Construction Bank of China Liaoning, such as weak awareness ofcredit practitioners credit risk control, the commercial bank decision-making mechanism isextremely unreasonable. The same time, the problems are deep-seated reasons for theanalysis of simple terms.Part V: the means and methods of improving the Construction Bank of China LiaoningSME credit risk control and management problems as the main objective In this article. Inthis paper, detailed and meticulous research and discuss of the Construction Bank of ChinaLiaoning SME credit risk control management status, SME credit risk control managementand deep-seated reasons for these problems. On this basis to finding a scientific reasonable,SME credit risk control and management system to improve the program. On theinstitutional and procedures level, the author insisted the policies and practices for scientificand practical solutions to SME credit risk control management. Loan before the survey, loanreview, loan tracking inspection of the detailed division of labor, to establish and perfect aloan approval system of separation, increase the intensity of credit practitioners professionalskills and ethics training.Part VI: Conclusions and Prospects. Summarizes the argument in this part of the mainarguments, the Construction Banks of China Liaoning in SME credit risk control andmanagement should be innovative, as well as in Construction Bank of China Liaoningcredit risk control and management need to further refine and improve the local.