Research On Credit Risk Management Of LZNSH Rural Commercial Bank For SMEs

With the rapid development of information technology and changes in the structure of financial markets and people's traditional concept,China's commercial banks in the credit market is facing increasing challenges,which makes the marketing environment has changed dramatically.Among these challenges,how to manage SMEs' credit risks is a common problem that most rural commercial banks generally need to resolve.SMEs get considerable development after the reform and opening up in China.However,in the process of development of SMEs,how to solve financial problems is still a difficulty.One of the main reasons is the limited financing channels for SMEs in China,such as Bank financing,bond financing,equity market financing,private lending,etc.Bank financing is the main channel,but the bank always be quite cautious lending to SMEs because of difficulties in SME credit risk control.In response to these problems,we come to a basic conclusion:SME Bank's credit risk management is the key to solving the problem lying in SME funding.Combined with many years' work experience in LZNSH rural commercial banks,according to the theoretical knowledge learned in the MBA stage of research questions and methods,drawing on the basis of existing research results,the paper made researches as the following:(1)Finish the research on the status quo of credit risk management of SMES,and respectively analyze the organization system,the institution system,the process system and the evaluation system;(2)Through the research on the status quo,recognize the problems of the credit risk management which are the imperfect organization,the no-in-place institution,the nonscientific process,the lagged credit evaluation,the inadequate assessment and the monitoring lack of management after loan.(3)carry out a detailed design of risk management system to compile the complete risk management optimization that includes the specific methods on the organization management,the institution management,the process management,the evaluation management and the management after loan.