The SME Credit Risk Management Improvement Study Of CCB Gansu Xigu Subbranch

SME is to promote economic development, the main structure of the market economy and promote the basic forces of social and economic stability, related to the national economy fast, stable, healthy development of economy in our country, playing a more and more important role in. The healthy development of the financial institutions will have to support small and medium enterprises as a strategic task brook no delay. With the rapid development of financing of small and medium sized enterprises, commercial banks to establish a set of perfect SME credit risk management system, strengthen the credit risk management of small and medium enterprises will become more of a pressing task.This paper analyses on the SME credit risk theory, risk control, combined with the actual situation of CCB Gansu Xigu branch, analyzes the small and medium-sized enterprise management situation, Xigu subbranch of credit risk management status, reveals the face in the small and medium-sized construction enterprises Xigu branch current market conditions in credit risk management, the environment of existence the problems and risks of causes of the formation of. Aiming at these problems, try to put forward a shift in risk management idea and management mode, constructing risk oriented SMEs credit business management process, credit risk management, to upgrade the product differentiation index system of credit risk management of small and medium-sized enterprises and improve SME credit risk management culture environment of credit risk management measures, at the same time as the base line how to implement specific measures.This paper tries to explore a set of suitable for our SMEs credit risk management measures and methods, in order to financial support for small and medium-sized enterprises at the same time, the Construction Bank of Xigu branch can obtain the corresponding income, realize the development of enterprise financing and bank a win-win situation.