Bank credit is most important assets of commercial banks part of its decision-makingbehavior of bank credit have important impact on business performance. Since2003,China’s commercial banks along the injection, share restructuring, the introduction ofstrategic investors, publicly traded reform path, a series of joint-stock reform, initially setup a modern banking system. China’s commercial banks in a series of reform anddevelopment, despite the many achievements, but have been tied to credit decision-makingbehavior, the failure to obtain substantial development. Commercial bank credit crunch andcredit discriminatory behavior caused by shrinking the size of the credit, not only makescredit funds idle, also caused companies shortage of funds, limiting the expansion ofproduction scale. In this context, the decision-making behavior of bank credit research willhelp improve the efficiency of bank credit and credit decision-making level, to improve theefficiency of banking operations, improve decision-making system of modern bankingfacilities have important significance.Credit business is the commercial bank’s assets, interest rate margin is still the mainsource of China’s commercial Banks’ profits, commercial bank credit assets quality affectthe bank’s management benefit. At present, the commercial bank credit business executioninvestigation, review and issue separate mutual restriction mechanism, loan management isone of the links. Mainly in charge of all probability in the commercial bank credit businessloan credit conditions before the review, credit business legal review and credit andarchives and product management. The first part of article describe the background,purpose and significance of the study, and briefly comb network of domestic andinternational risk management theory and the theory of bank credit risk, and pointed outthe inadequacies of innovation and research. The second part of the article is to analyze thedevelopment of small and medium commercial banks current situation and problems,analyze the status quo of China’s small and medium commercial banks in the followingfour main areas: market positioning vague, competitive disadvantages and risks need toimprove the environment, assets and liabilities of structural imbalances and riskmanagement capacity needs to increase, and the problem analysis. The third part is themain commercial bank credit analysis of the small business lending process managementmodel and the problem, the problem is the lack of internal norms and intensity as well asinternal operating mechanisms of irrationality. The fourth part introduces the principlefollowed in the credit business loans, including security policy, liquidity and profitabilityof the principles of the principles, and the risk of lending to sectors analyzed. The fifth partof article combed the basic elements of credit business loan process design and operationprocess. The sixth part of case analysis, the Z-bank credit lending process scheme wasintroduced, and an analysis of the risk of its loan process exists. The part VII of the articleanalyzes the strengthening of small and medium commercial bank credit risk lendingproposal, including the government needs to put the appropriate policies to improve, aswell as the bank’s own building, the main manager of personal responsibility to establishcredit, improve the internal management system, raise awareness and increase credit riskpractitioners process training efforts. The conclusion of the article on China’s small and medium commercial bank loan process risks are summarized, and make the prospect. |