Study On SME Credit Risk Management Of Changchun Branch Of Industrial Bank

Our country’s commercial bank credit support for small and medium-sizedenterprise financing is generally weak, the financing channels of the poor is one ofthe important factors restricting the development of small and medium-sizedenterprises. Commercial Banks to small and medium-sized enterprise credit carefullyon the one hand is due to the small and medium-sized enterprise own existence andoperation is not standard, management is not sound, etc.; On the other hand is due tocommercial Banks to small and medium-sized enterprise credit risk controlmechanism has many loopholes, the Banks non-performing loan ratio increased. Inthis paper, by Industrial Bank Changchun branch of the small and medium-sizedenterprise credit risk control as the research object, this paper studies the bank insmall and medium-sized enterprises credit risk control aspects of the gain and loss.Looking for easy to lead to increased risk of internal management factors, andproposes the corresponding improvement plan.In this paper, the first chapter is the introduction part. This part of the articleintroduced the research background, research significance, research objects andresearch methods etc, laid the foundation of the full text is divided into writing.In this paper, the second chapter focuses on the basic theory of the small andmedium-sized enterprise credit risk. In this part, the concept of small andmedium-sized enterprises and business advantage has made the brief analysis, andsmall and medium-sized enterprises (SME) are discussed in detail the important rolein today’s economic development. Secondly, this chapter discusses the small andmedium-sized enterprise financing preferences, different types of small and medium-sized enterprises (SME) have different financing preference. Finally, thesmall and medium-sized enterprise financing risk characteristics in detail in this paper.This chapter for further expansion of later laid a theoretical foundation.In this paper, the third chapter mainly introduces the Industrial Bank, Changchunbranch of small and medium-sized enterprise the management status of credit riskcontrol. This chapter introduced at Industrial Bank, Changchun branch of small andmedium-sized enterprise financing risk control system and the bank’s creditevaluation system. Through the implementation of strict management to reduce creditrisk. However, the bank for small and medium-sized enterprise’s credit risk controlstill exist deficiencies, including censorship defect before and after loan credit loanmanagement deficiencies.This article fourth chapter for Industrial Bank, Changchun branch in small andmedium-sized enterprise credit risk control system optimization and improvement.This chapter is the focus of the full text. For Industrial Bank in this chapter,Changchun branch of the small and medium-sized enterprise credit risk control hasthe following optimization measures are put forward: elaboration for small andmedium-sized enterprises credit risk review, strengthen the credit of small andmedium-sized enterprise credit risk management, improve the small andmedium-sized enterprise loan risk after checking system, Industrial Bank, Changchunbranch should further cooperation with external agencies.