Research On Credit Risk Management Of Small And Medium-sized Enterprises Jining Branch Of CCB

Small and medium enterprises as China’s national economy steady and rapid cornerstone, playing an important role in economic growth, technological innovation,re-employment and other aspects of the increasingly apparent. SMEs has been the driving force for China’s economic development, especially in the past few years, small and medium enterprises to provide a large number of nationals of jobs, wealth creation and its development has gradually been national attention and support. At the same time, the financing difficulties of SMEs in China has also become the focus of attention. As the proverb goes: "Small boat U-turn, flexible mechanism", the characteristics of small and medium enterprises is creating many of its uncertainty and the credit risk of SMEs has become a stumbling block its financing. Against this background, scientific, effective and reasonable SME credit risk management, has become the focus of commercial banks SME financial services is difficult. In the face of this economic society, they want to accomplish a great deal of experience with commercial banks NPL ratio rising dilemma. It is in such a background, the author MBA theses targeted at small and medium commercial bank credit risk, the SME credit risk management is the best way to resolve the financing of small and medium enterprises.In this dissertation, the credit risk management of commercial bank loans for SMEs to conduct a comprehensive and systematic analysis, points to an area of Jining branch of CCB SME credit risk management were discussed study provides a theoretical basis for prevention and control measures. In the current market environment, there is a change of the credit risk of SMEs fast, difficult to control the situation, which gives commercial banks caused more uncontrollable risk. Author Jining Branch CCB SME lending process,for example, with the specific cases cited the importance 5C model in practical work, and accurate analysis of the validity of the results. Based on SWOT model to analyze Jining Branch CCB SME credit risk management exist strengths and weaknesses, and opportunities and threats to be faced, and discusses the causes of SME credit risk, through specific case study analysis found that credit risk management issues, Measures proposedto improve the SME credit and risk management. The Improvement of SME loans to refinance, loan term adjustment Jining Construction Bank SME credit risk management and strengthen risk prevention countermeasure. Although the proportions and amounts of SME credit risk of an upward trend, but commercial banks still depends on the nature of SMEs, bold innovative products and business processes, risk management through effective prevention and control the occurrence of SME credit risk, and ultimately resolve small business financing problem.