The Research On The Credit Risk Management Of Shanxi X Commercial Bank

In the whole social economy,the financial industry plays an important role,to the core,but in the financial industry,banks play an important role,when the crisis in the banking system,will affect the development of the financial industry,the formation of a Domino effect,and indirectly influences the development of society and economy.With the rapid development of economy,the rapid development of small and medium-sized enterprises,to a certain extent,has led to the development of China's economic stability.However,the financing problem has become one of the difficulties to be solved.On the analysis of commercial banks,in order to effectively improve the credit problems of SMEs,and effectively avoid the shortcomings of small and medium enterprises,we should constantly optimize the credit risk management of smes.In this thesis,credit risks of small or medium enterprise are researched.Base on the analysis of influences of credit risk management about Shanxi X bank,combined with the actual situation of risk management,explored methods for avoiding above risks.In whole process,elements of risk management in each stage are studied.Reasonable risk precautions is indicated to improve the credit risk management system.Through summarizing the current situation of small and medium-sized enterprises,should cover the following three aspects: in the economic down cycle,established in line with the development needs of the "portfolio" and "industry",provides abundant data resources for risk management,financing combination small and medium-sized enterprises in the supply chain,to improve the use of Internet technology;improve the credit risk evaluation of the corresponding level.Rationally set up the credit process of small and medium-sized enterprises,and actively improve the credit risk rating norms as well as risk management system.in the classification standards,a reasonable division of credit assets,daily management,special monitoringand inspection,special inspection and funds applied should be developed.In this paper,according to the Shanxi X commercial banks,in order to better adapt to the development of the times,to better grasp the opportunities and challenges in the economic down cycle,in the study of the credit risk of small and medium-sized enterprises,some relevant advice and suggestions are pointed out.From the economic view,people's livelihood and other aspects to consider,a good job of small and medium enterprises credit risk prevention system is very important to ensure the healthy development of small and medium enterprises.