Research On The Credit Risk Management Of The Small And Medium-sized Enterprises

For a long time, financing difficulties has been the "bottleneck" of the development of SMES in China, and bank loans is the main channel for SME financing continues, if commercial bank can’t establish the scientific credit rating system for the improving the risk management standards, the SMES maybe affected negatively by little capital, business scale is small, profitability and anti-risk ability are relatively weak and so on, Thus, the important approach of solving the financing shortage problem is establishing and perfecting the credit surety system of Small and Medium-sized. Enterprises. Secondly, improving credit risk management ability of Commercial Banks for small and medium-sized enterprises, that is would help the judgment of small and medium-sized enterprise’s solvency and business risk, reduce the risk of default, and improve the ability of risk prevention and control. Thirdly, because the level of opening up to the outside world in our financial market is getting higher, with the development of business and competition of commercial bank, the risk of banking comes out with a variety of characteristics, So, it is very necessary for commercial banks to institute the Credit Risk Management of the Small and Medium-sized Enterprises.This thesis is to focus on the management system of credit risks in the Chinese state-owned commercial banks; then through the explanation of the main credit risk management literatures; it points out the direction and trend of the credit risk management theories, and investigates and produces mechanism analysis in risk present situation of the state-owed commercial bank of our country, the agricultural bank of putian branch is the research object; Thirdly, the thesis analyzes the status of credit risk management and the causes that cause Chinese commercial bank’s credit business to face risk by the case study; and some measures are suggested to improve the credit risk management of commercial banks’ small and medium-sized enterprises credit business ability.This study is divided into six parts:the first part is an introduction; the second part mainly elaborates the theoretical foundation of the small and medium-sized enterprise credit risk management and excellent foreign experience for reference and enlightenment; the third part mainly elaborates small and medium-sized enterprise loan status and the risk engendering mechanism; the fourth part mainly elaborates a case of Small and Medium-sized Enterprises Credit Risk Management of Agricultural Bank of China PuTian Branch; chapter Five puts forward to improve the credit risk management of small and medium-sized enterprise loan countermeasures.