| Small and medium-sized enterprise credit markets are very important strategic business sector to the bankers. The quantity of small and medium-sized enterprise customer is numerous, the loan business has a high yield. If you want to better develop the market sector, making it a sustainable profit growth point of banks, it is necessary to strengthen the credit risk management of small and medium-sized enterprises. As the primary part of loan risk control process, the customer manager investigation is the first line of mark and defense to the prevention and control of small and medium-sized enterprise loan risk of the bank. In view of the risk of small and medium-sized enterprise own characteristics, the importance of customer manager investigation to small and medium enterprises risk control is much more obvious. This article focuses on that as the primary part of small and medium-sized enterprise loan risk control process,customer manager investigation is important for small and medium-sized enterprise loan risk management and control. At last the Suggestions and measures are presented for customer manager investigation. This article will research from the perspective of customer manager investigation, On the basis of research on small and medium-sized enterprise loan risk management theory from domestic and foreign scholars, first analyze the importance of customer manager investigation to the risk control of small and medium-sized enterprise credit from the perspective of theory,coupled with a line of small and medium-sized enterprise credit business cases, two angles of the customer manager investigated adequately with inadequately were analyzed, and further demonstrates the importance of the customer manager investigation to small and medium-sized enterprise credit risk control, thus put forward constructive suggestions to the bank for small and medium-sized enterprise credit risk management and control, makes the bank continued robust gain new profit growth point, to make a small contribution to the development of Chinese economy. |
