Research On Credit Management Of Medium-sized And Small Enterprises In AJ Bank During The Transition Period

In 2014, comrade Xi Jinping proposed the concept of "new normal" for economic development. He proposed, in the face of economic downward pressure, to achieve economic transformation is the focus of the current economic work. In 2015, the State Council promulgated the commercial system reform and innovation policy.The purpose of the government is to promote the development of small and medium-sized enterprises, but the problem of financing of small and medium enterprises has not been effectively resolved. For AJ bank, with the change of the financial situation, the competition among banks is becoming more and more fierce and the development of the credit business of small and medium-sized enterprises has become the inevitable choice of the current business transformation. Therefore, this paper take the development of SME credit business as the breakthrough point, find the AJ bank credit management of SMEs in the short board, standing in the point of view of the bank put forward suggestions to solve the difficult problem of financing of small and medium-sized enterprises, aims at exploring the rapid and good ways to realize the development of SME credit business, and strive to improve credit management of SMEs and provide certain reference significance for the bank.In order to study the AJ bank credit management of SMEs, and put forward the practical significance of the countermeasures and suggestions, the article uses five chapters on the AJ bank credit management for small and medium enterprises analysis of the layer by layer. The main contents are as follows:the first chapter introduces the research background and significance, research ideas and methods, and the innovation and deficiencies of; the second chapter, from the concept, definition of, expounds the connotation of SMEs, the characteristics, and gives a brief introduction of the financing of small and medium-sized enterprises related literatures and the comprehensive. In the third chapter, Firstly, the thesis introduces credit management status of small and medium-sized enterprise during the transition period, and then describes the present situation of small and medium enterprises in Anhui Province, indicated that AJ bank had a good macroeconomic environment to development SME credit business. Finally introduce the core aspect of the current AJ bank credit management. The fourth chapter and the fifth chapter are the key chapters of this paper. In the fourth chapter, the paper analyzes the problems and causes of the credit management of the AJ bank in the small and medium enterprises. The fifth chapter gives the suggestions mainly from five aspects such as credit policy management, credit authorization management, credit model management, credit risk management, credit performance management, to improve the credit management. The sixth chapter summarizes the research of the paper, and looks forward to the future.The characteristic of this paper is to explore the intrinsic motivation of the commercial banks to develop the SME credit business and encourages the bank achieve the balance between risk and revenue. In this way to achieve mutual benefit and win-win for small and medium sized enterprises and commercial banks. Finally encourage the state-owned large commercial banks to adjust business strategy, and actively support the development of small and medium enterprises, so as to adapt to China’s economic transformation and the transformation of state-owned commercial banks in the era of the trend.