Commercial Banks Of Small And Medium-sized Enterprise Credit Risk Management Research

The development of current commercial bank credit business is under competitive pressure,.Loan spreads bring Banks great profit source of income.Banks are forced to expand their credit business.Small businesses with a flexible mode of operation but loose is not standard,the credit capital demand big financial framework but strong liquidity,to adapt to changes in market liquidity but lacking the ability to withstand market risks,etc.Downward pressure as the market economy,various commercial bank non-performing loan ratio of approximation "red lines",nonperforming loan balance,defective rate and overdue rate were significantly increased.On the one hand,it is the development of small and medium-sized enterprises to maintain their own capital requirements,on the other hand is a bank loans is rising with the contraction of credit lines.From commercial Banks themselves,only from the credit flow of initial access to the post-loan management actively establish the consciousness of risk prevention and control,pressure drop will be able to loan the defective rate,improve the quality of credit assets,realize the benign development of bank credit business.In this paper,two small businesses to X bank loans with the similar industry categories and same stock of customers.But there has been two different situation.One enterprise pay a normal loan to the bank,the other one had an overdue loan.This situation need to be appear analyzed.From the basic situation of X bank SME credit business access standards,admission criteria and management characteristics;two cases of specific cases,from access to audit management after loan analysis of the whole process.The qualification examination,investigation of two survey understand the basic situation of enterprise credit,through qualitative and quantitative analysis of financial indicators of financial indicators analysis to understand the financial condition of enterprise credit.Through the use of credit funds and credit enterprise monitor the daily operation risk about loan management emphasis.According to the case of the problems found in the proposed access pricing process of division of labor,scientific credit review;scientific team building,and strictly control the collateral risk;set the red warning,dynamic monitoring of changes in financial position;teamwork clear responsibility,expand repayment channels optimization scheme.Hope to the small and medium-sized enterprises in the commercial bank credit business process optimization.Let the small business lending channel more smooth,so that bank loan process become more compliance,credit supervision become more standardized.