Research On The SMEs’ Credit Risk Management Of A Commercial Bank In Jin Jiang

Small and medium-sized enterprises in our country’s economic and social development play an enormous role. They have become the important pillar of economic progress in our country. Speeding up development of small and medium-sized enterprises has an immeasurable effect on economic growth, the level of employment and stable social development.Although important position of small and medium-sized enterprises have been plagued by development bottleneck that means "financing difficulties". Commercial banks are the pursuit of maximizing profits, but when facing the credit application of small and medium enterprises, they often choose to give up the commercial bank financing application because of a lot of risks brought by the own characteristics of small and medium-sized enterprise. Banks and small and medium-sized enterprises have been in a dilemma, which increases the loan difficulty of small and medium-sized enterprises. Loan business of commercial bank has some problems of big risks and highly bad credit assets ratio, which threat the own interests of commercial Banks and endanger the benign operation of commercial banks. Strengthening the management of commercial Banks on credit risk of small and medium-sized enterprises become an urgent task faced by the current Chinese commercial Banks.In this paper, based on the practice of jinjiang A commercial bank, the risk management problems are studied and explored. Through comprehensive analysis of the jinjiang A commercial bank, it is found that issues exist in the credit risk management of small and medium enterprises such as incomplete management system, unreasonable risk assessment mechanism, lack of small and medium-sized enterprise credit database, the unsound credit risk early warning mechanism, incomplete pre-loan analysis and imperfect post-loan management. In addition, analysis and summary have been done on the advanced credit risk management practices of small and medium enterprises in Europe, the United States and some domestic commercial banks with the purpose of putting forward practical suggestions for jinjiang A commercial bank in terms of improvement and perfection of the credit organization, credit policy, business process operation and risk management consciousness.