Research Of Baoying Commercial Bank Credit Risk Control On Small And Medium-sized Enterprises

With the fast development of social economy, medium-sized and small enterprises have mushroomed in Baoying, Jiangsu Province and played an increasingly important role in the development of social economy. Medium-sized and small enterprises have been among the major boosts of economic growth in this area, as well as a main force in eliminating poverty and easing employment tension. Meanwhile, they play a vital role in industrial restructuring, product and technological innovation, regional economic rise, transfer of rural labor, etc in the economy in Baoying. it is a significant responsibility for local commercial banks to give support to medium-sized and small enterprises of high quality, which is also an effective way to improve client structure, extend value chain and increase economic returns. However, risk management of medium-sized and small enterprises has always been an obstacle to the developing of commercial banking business in Baoying. Since2011, due to the instability and uncertainty of global economic recovery, as well as policy adjustment and market change of domestic economy, there have always been serious problems like imbalanced, inharmonious and unsustainable development, which will lead to the greater credit risk for medium-sized and small enterprises in Baoying. That will do serious harm to their healthy and sustainable development. It will be a rational choice and an arduous task in the long run for commercial banks in Baoying to analyze the problems of credit business of medium-sized and small enterprises, and take decisive and effective measures to prevent and resolving risks.Based on Risk Control Theory for medium-sized and small enterprises, this thesis analyses the current situations, the upward tendency of credit risk ratio and its causes. Meanwhile, it elaborates the forming of credit risk in medium-sized and small enterprises. Focusing on the features and factors of credit risks and by means of scientific risk evaluation system, this thesis reveals the credit risks and the ways to control them by the process and service reform of government, banks, society and medium-sized and small enterprises themselves, so as to effectively reduce and avoid credit risks, and finally resolve the commercial banks’difficulty of credit risk control for medium-sized and small enterprises.