Sme Credit Risk Management Issues Of Guangxi J Bank

In the process of China’s economic reform and development,SMEs has been showing important gradually for its scale and significant advantages in a market economy, but it does not mean that they already have a healthy environment for the development. Restricting the rapid development of SMEs due to financing difficulties, extensive management, backward technology, resulting in the overall size and economic strength of the small and medium enterprises can not be compared with large enterprises. Now it is widely recognized that the factor which seriously hampered the development of small and medium-sized enterprises is its difficult access to operating capital. While commercial banks are the important one from which SMEs obtain funds, but the commercial banks control it tightly to provide loans for SMEs because of the risk control, so it is really difficult for SMEs to obtain loans from commercial banks. In fact, majority of SMEs did not tend to having access to business development funds from commercial banks.We discuss about our National Commercial Bank SME credit risk management by taking J Bank in Guangxi as a case in this article, caring about J Bank SME credit risk control, status, problems and reasons to conduct a comprehensive analysis.And finally we draw the following conclusion:from the point of commercial banks, the uncertainty of the imperfect system and development prospects of SMEs, their operational practices and credit behavior will give commercial banks a certain risk, but if we give an eye on the long-term development of commercial banks,we will believe that SME credit business is a perspective choose for the commercial banks to enhance the level of bank profitability.commercial banks should not evade or to refuse credit to SMEs, but a more rational scientific risk control system should be established within to strengthen their risk capacity to respond, and ultimately achieve a win-win. At the end of this article, our concept of the guidance given in light of this conclusion J Bank SME credit risk control situation.