Research On Credit Risk Control Strategies For SMEs

With the upgrading of China's economic development and people's living standards, banking and finance market demand to expand the scope, content has also undergone a great change. Our banking was a great opportunity, but also faced with the challenge system, product philosophy and many other defects caused. In recent years, the balance of non-performing loans of commercial banks and non-performing loan ratio continued to "double down" the situation is already terminated. By the first quarter of 2014, non-performing loans for 10 consecutive quarters of rising NPL ratio has exceeded 1%. With the slowdown in economic restructuring and deepening of economic growth, commercial bank credit asset quality will inevitably face more severe challenges. Since the joint-stock reform, commercial banks will be external supervision of internal control as management focus, but also achieved some success, but due to the size and other factors, will still appear blind pursuit of profit while ignoring internal loans audit supervision, commercial banks bear the credit risk continued to rise, February 2013 Qilu Bank Piandai case, after the Bank of Wenzhou Piandai case and so on. A series of serious industry Piandai case showed that the bank's internal credit procedures and internal management, there are many loopholes to our many business a serious warning.Trying to explore the advanced banking credit risk management theory and technology, the various risks the Bank of China SME credit risk management in the face of in-depth analysis, the key to the Bank of China put forward the current SME credit management, targeted suggestions for improvement China effective countermeasures Bank SME credit risk control. In this paper, the Bank of China SME credit management for the study, focus on domestic hot issues. Through the practical problems of the existing Bank of China branch LC SME credit business analysis, we put forward suggestions for effective SME Bank of China Credit Risk Management. The ultimate goal of the study will be the use of research results in practice, effective solution to the problem of the current Bank of China SME credit risk management and control faced by Chinese banks to improve asset quality. Bank of China put forward for SME credit risk management rationalization measures and recommendations to optimize the Bank of China SME credit business processes, improve the quality of bank assets to commercial banks for SME credit business learn to play the role.Through internal control mechanism of the commercial bank credit research, review and analysis of existing bank loans on the basis of internal control mechanisms. Existing mechanisms for the overall system design and operation process, summarize their experiences and shortcomings proposed bank credit business in the internal control mechanism should be how to build and improve the system. Through research on the process and risk control status of existing SME credit business branch of Bank of China LC-depth analysis of causes and control measures of corporate exposures, proposed bank credit can adapt to business development but also to meet the needs of small and medium enterprises SME credit risk management, the formation of banks, social, business overall "win-win" situation.