| Since China’s reform and opening up in the eighty s,our country’s economy has achieved great development,people’s living standard in improving continuously,big,small and medium-sized enterprises in China have appeared,grow.This is a good thing,but the development of small and medium-sized enterprises in China are often not as good as big companies so smooth sailing,but is limited by very much.In these limitations of the financing problem for small and medium-sized enterprises to make the most influence the survival of the development,in most cases,the survival and development of small and medium-sized enterprises only through loans to commercial Banks.For commercial Banks,on the other hand,because of its many characteristics of small and medium-sized enterprises and make its credit business there is a huge risk,slightly do not pay attention to these risks,improper control,may lead to commercial Banks in tatters.Indirectly lead to the collapse of the financial system of the whole nation,and great harm to society.Therefore,how to evaluate the small and medium-sized enterprise credit risk is a very worthy of study.Hope through to the ping an bank of small and medium-sized enterprises,studies how to their credit risk reduced to a minimum range,many of the analysis of the influence of the composition of bank loans risk factors and evaluation index system,working practice and theory of pingan bank can be more closely linked,for pingan bank credit risk control work has a guiding significance,also can be used as other commercial Banks in the treatment of small and medium-sized enterprise credit problems of a reference material.Based on this background,this article to study our country commercial bank credit risk management of small and medium-sized enterprises as the core,with ping an bank as case study,combined with the theory study of commercial bank credit risk management at home and abroad,foreign commercial Banks advanced management concept and process control,the ping an bank of small and medium-sized enterprise credit risk management system were analyzed,and find the ping an bank credit risk management and the reason of the problem of small and medium-sized enterprises and build the evaluation index system of ping an bank credit risk management of small and medium-sized enterprises,and choose appropriate evaluation model for effective evaluation,finally ping an bank sme credit risk control countermeasures are put forward. |
