Study Of Small And Medium Sized Business Credit Risk Management Promotion In SPD Bank

The credit risk management of medium-sized and small enterprises is an international difficulty. In recent years, with the rapid development, medium-sized and small enterprises have become the backbone force to promote the economic growth and employment. Several policies of the State Department showed the development of medium-sized and small enterprises had been raised to a strategic height. But the mortgage guarantee low credit conditions result in that the banks and other financial institutions are cautious to the credit of medium-sized and small enterprises. And the difficulty of financing has become a new problem hindering the development of medium-sized and small enterprises. Now, the total number of Chinese banks has increased to five state-owned commercial banks, the seventeen national joint-stock commercial banks and thousands of local commercial banks from the initial four state-owned banks. After joining in the WTO, more and more well-known powerful foreign commercial banks enter the financial market of china, such as Citicorp, HSBC, etc. Facing the fierce competition, it is the most important assignment for the leading to solve the problems of the existing credit risk management in medium-sized and small enterprises. That means the commercial banks will support the financing of medium-sized and small enterprises as much as possible in the premise of controllable risk. That will provide a better financial environment to medium-sized and small enterprises and promote the healthy and stable development of medium-sized and small enterprises and promote the socio-economic growth eventually.In this work, we discussed the related researches of medium-sized and small enterprises credit risk management at home and abroad at first. Then, we focus on the present situation of credit risk management in SPDB. Combined with the actual of SPD Bank, we analyzed the current credit policies and pointed out the existing problems on procedure and system of medium-sized and small enterprises credit risk management in SPD Bank. Based on the analysis of exiting disadvantages, we tried to creatively adjust the credit policies in the jurisdiction to support the development of medium-sized and small enterprises, broaden the financial channels and rich the financial products under the premise of the minimal risk. This work has certain practical significance for medium-sized and small enterprises to solve the financial difficulties and extricate the predicament of fund shortage.