Research On The Small And Medium-sized Enterprises Credit Risk Managemet Of ZBNY Banks

Small and medium enterprises have become important support to the development of national economy in our country at present.The government have study the development problems of small and medium-sized enterprises for many times since 2014.It’s easy to see that the government think highly of small and medium-sized enterprises.It’s different from large enterprises that small and medium-sized enterprises don’t have broad financing channels and they have to rely on financial institutions to solve the difficult of fund shortage generally.The small and medium-sized enterprises have accounted for a largr rate in the credit structure and have become an important profit source of most commercial banks.But as a result of small and medium-sized enterprises are at the bottom of industry chain,the operating profits of that in the traditional industry is bocomming less and less with the increasing of the production cost.With the terrible environment of entity economic,many small and medium-sized enterprises have difficulties in operating and some of them that triggered a series of credit risk at the same time have even shut down.I stand on the angle of ZBNY bank and combined with the work experience of medium-sized enterprise credit risk management in this bank.Beginning with the source of credit risk,I analyse the small and medium-sized enterprise credit risk management system and the credit business process of ZBNY bank and then discuss its practical problems in the credit risk management of small and medium enterprises.At the same time,I put forward a series prioritization scheme and guarantee measures for this kind of problems.I hope that the research result can provide certain help to the small and medium-sized enterprise credit risk management work of this bank in the future.