XY Bank SME Credit Business Risk Management System Optimization Research

As the most dynamic economic entity,small and medium-sized enterprises(SMEs)have become more and more important in the national economy,which has provided an effective impetus for the healthy development of China's macroeconomy.In particular,small and medium-sized enterprises(SMEs)have been playing an important role in China's economic development.Is to solve the national employment difficulties,promote technological progress side show off made outstanding contribution.In the process of the rapid development of small and medium-sized enterprises,the problem of financing difficulties is becoming more and more serious.The general shortage of funds has become an important problem affecting the healthy development of small and medium-sized enterprises.At present,the financing channels of small and medium-sized enterprises in our country are relatively narrow.Enterprise development funds are generally through indirect financing,the vast majority are through bank financing.However,small and medium-sized enterprises are inherently small scale,low credit rating,financial management is not standardized,lack of collateral security issues,resulting in its difficult to obtain bank financing,resulting in shortage of funds.In addition,at present,China's commercial banks lack of support for the development of SMEs,combined with their own credit risk management needs to improve the SME financing approval threshold,further limiting the size of small and medium-sized credit business,thereby exacerbating SME financing difficulties,Small and medium-sized enterprises are generally faced with the increasingly embarrassing shortage of funds.On the basis of summarizing the theories of credit risk management of small and medium-sized enterprises,this paper analyzes and analyzes the credit products and corresponding risk management of existing SMEs in XY Banks through literature combing,case study and comparative research,and makes clear their problems and shortcomings.,And analyzes the root of these problems.On this basis,the risk management program is explored and analyzed aiming at comprehensively improving the credit risk management level of XY Bank Xi'an Branch and enhancing the credit service capability of SMEs.Strengthen their own safety management of funds at the same time for the majority of small and medium enterprises to provide more comprehensive financial services to fully meet the financing needs of SMEs.