The Research On Small And Medium-sized Enterprise Credit Risk Management Of NYZB Branch

Banks and other financial institutions as the inevitable result of economic development and promoting social progress, its main business is around the absorption of customer deposits and lending to clients to carry out. As the main financing channels of the society, it is the enterprise financing, optimize the allocation of social resources, to provide liquidity to the society, to promote the economic and social development. In the process of economic development, the enterprises of our country, the development of small and medium-sized enterprises include the same bank business as the economic construction and social development plays an important supporting, its positive role. Small and medium-sized enterprises as the backbone of China’s enterprises, because of its rapid pace of development and the frequent lack of funds, as soon as possible to solve the money shortage of SMEs in China has become a major factor restricting its development. The financial industry is a very special and important industry in our country a number of important industries,it has properties at the same time stressed the national economy and other related industries, but also have a development is significantly different from other industries,the financial industry involved in the field is very broad. Which provides an important pillar industry and basic support of the financial industry as our country for the development of other industries, bank credit business support has thus become the other enterprises, including small and medium-sized enterprises to obtain the healthy development of the positive factors, but at the same time, the negative factors of the development of small and medium-sized enterprises will inevitably have some obstacles and orderly development of financial industry the development of small and medium-sized enterprises, such as the credit business credit risk. In this paper, the SME credit risk management of NYZB branch as a case study, after the in-depth analysis of the related theory of credit risk management of commercial banks of small and medium-sized enterprises, expounds the present situation of NYZB branch of the credit risk management of small and medium-sized enterprises and the existing problems, and on this basis, put forward effective measures to improve the credit risk control of small and medium-sized enterprises in NYZB branch. Expect to establish,perfect credit risk management system of small and medium-sized enterprises in NYZB branch, improve the environmental risk management of SME credit business,to ensure the healthy development of small and medium-sized enterprises help.In this paper, through the use of various research methods such as literature analysis, empirical analysis and qualitative analysis, through the analysis of the NYZB branch of the SME credit risk management, the formation of innovativeresearch results are as follows: first, the content of innovation: through the collection of a large number of domestic and foreign Minister Guan Wenxian, and carries on the reorganization and the summary analysis theory of credit risk management of small and medium enterprises, and lay a good foundation for the full text of the study;second, innovative methods: through the methods of field research, a detailed understanding of small and medium sized enterprises and analysis of the NYZB branch credit risk management status and problems, on this basis, that the bank to help establish a set of effective risk management system is feasible. It is necessary to suit the remedy to the case, and puts forward some effective measures for SME credit risk management of NYZB branch of concrete; third, the technical route of innovation;the first analysis of the small and medium-sized enterprise credit risk management related to the theoretical basis of the small and medium-sized enterprises in NYZB branch credit risk management status, problems, and finally put forward effective countermeasures to credit risk management of small and medium sized enterprises the NYZB branch.