Research On Credit Risk Management Of Huaxia Bank Kunming Branch

Loan problems of small and medium-sized enterprises (as "SMEs" below) is a hot topic in the media, especially in the central2stations have open a separate theme programs on problem loans, the government and the financial institutions are in question and the reason for SMEs loan existence, the government has introduced a number of policy tries to solve this problem, but got bad effect. Author in Huaxia Bank Kunming branch work for more than three years, witnessed by financial constraints of SMEs under anxious condition during development, banks want to lend but are afraid to loan contradiction situation too risky, based upon the paper research, mainly uses the comparative analysis and case analysis of the two methods. Comparative analysis to compare the difference of risk management between home and abroad on loan risk of commercial banks to SMEs; case analysis method is used to link theory with practice the concrete analysis of small and medium-sized enterprises of Kunming branch of Huaxia bank loans risk management measures.In order to study on the commercial banks to SMEs credit risk management, this paper takes Huaxia Bank Kunming Branch as a case, discussing Huaxia Bank SME credit business development and risk problems, analyzing the causes of credit business risk, and put forward the corresponding countermeasure to risk management the problem.