Research On Credit Risk Management Of G Bank Small And Medium Sized Enterprises

Along with our country socialist market economy rapid development, the risk faced by Chinese banking industry more and more, along with the global economic integration process, credit risk attracts more and more attention of international financial institutions. Whether international or domestic commercial bank credit risk management of credit are taken certain measures, the G bank as a deep background of the state-owned commercial banks, has always maintained a risk preference, for its operating performance improvement to the vital role.Small and medium-sized enterprises in the stage of financial development in China also has a special status, is a close and complex relationship between SMEs and banks, on the one hand, the development of small and medium-sized enterprises in urgent need of funds to support, and on the other hand, the bank need through to small and medium-sized enterprises loans to adjust the loan structure, but in actual operation, because of SMEs are facing a specific and universal market pressure, making the bank face greater credit risk. Hence the "bank credit to small and medium-sized enterprise financing difficult" predicament. From the regulatory authorities to the commercial banks have a set of SME credit risk management system. G bank credit risk management of small and medium enterprises has made some achievements, but there are some problems.This article through to the credit risk on the basis of theoretical concepts such as sorting, induction, the credit risk management at home and abroad were reviewed and introduced, emphasis on combination of G bank in the customer credit management for small and medium-sized enterprise credit risk management present situation analysis, points out its existing problems and opportunities, and further analyze, think G bank credit risk management in small and medium-sized enterprises at present problems existing in the formation of the main reasons for the change of the external credit environment and the internal in the organizational setting, system establishment, personnel, and the quantitative management of credit risk management index and form a complete set of technical aspects of defects or vulnerabilities, and points out that the G bank credit risk management in small and medium-sized enterprises put forward several Suggestions:consciousness to construct a reasonable credit risk management framework, the second is to establish perfect credit risk management process, third is a reasonable credit risk evaluation system architecture, the last is to strengthen the construction of information technology and management.