Study On The Credit Risk Management Strategy Of Small And Medium-sized Commercial Banks

Along with the development of the economy， interest rate marketing isdevelopmental.At the same time，financial industry faces financial developmentenvironment in the background that financial industry reform constantly，The creditrisk of commercial bank began to exposure more multiply， its nature also becomemore complex.All kinds of Banks on the development of the businesstransformation， also in strengthening risk management and internal control systemconstruction， the urgent need for a more perfect risk management system andmethods of risk management.The credit risk management is the key content of thecommercial bank risk management， to establish a practical problems in view of thespecific characteristics of the small and medium-sized Banks and credit riskmanagement system is a very important and difficult task.This article teased the related theory of commercial bank credit riskmanagement，described and summarized the credit risk management of the bank ofthe HX， Nanchang，analyzed the credit risk management problems of this bank，as well as the reason of of causing the problem.Finally on the basis of the theory，thecorresponding measures are put forward.Through the case study results enrich andperfect the small and medium-sized commercial Banks in credit risk managementpractice should stick to the principle of management system of a planning process，as well as the need to develop a series of measures to ensure the smoothimplementation of the credit risk management.