| Small and medium-sized enterprises(SME)play an important role in the national economy.The competition of the credit market among the commercial banks become more and more fierce,which makes the commercial bank develop the credit market of SME becoming irreversible.But with the seeking of profit from the small and medium-sized enterprise,the risk of which is also existed.As the SMEs’ own limitations and characteristics,coupled with the non-standardized management and the operation process of commercial banks,which makes the risk of SME credit become very difficult to control.If the credit risk management has been strengthened,commercial banks can not only make a profit from the market,but also reduce the bank credit risk.Based on the theory of credit risk management,combing the previous research results,this paper take the risk identification-evaluation-control as the main idea.This paper find out three types of problems of credit risk,operational risk,external risk through analyzing the development situation and the status of credit risk management of SME of China Construction Bank(CCB)S branch,which are of lack of overall quality manager model,not enough capacity of customer manager,difficult to grasp the risk point and the credit management system is not perfect.From the beginning of risk identification,distinguish the key risk points of credit risk of SME in S branch.Then this chapter get the key point of credit risk through the quantitatively evaluation with AHP,and put forward the corresponding prevention and control measures from three aspects:the improvement of SMEs’ credit rating method,pay attention to the analysis of SME cash flow and investigation of the affiliated enterprise.Then this paper use risk comprehensive evaluation method to assess the operational risk and find three important risk points,which are the evaluation method is not perfect,the operational risk information disclosure and credit business processes are not standardized and puts forward the corresponding prevention and control measures.Then the analysis of the identification of S branch of the external risk,risk compensation of external risk through the method of making appropriate rate and establish the optimal portfolio and by optimizing the S branch cooperation loan model to transfer risk.In order to ensure the effective implementation of the credit risk management of SMEs in CCB S branch,a number of security measures have been formulated from three aspects of organizational structure,information technology support and staffing.With a view to the establishment of CCB S branch to develop SME credit operations,and strictly control credit risk to provide methods and control measures,so as to effectively promote the healthy and sound development of local SMEs. |
