Research On Credit Risk Management Of Smes In Z Bank H Branch

The development of small and medium-sized enterprises is related to the steady and rapid development of the national economy and plays an important role in promoting the transformation of economic development,which is conducive to improving people's livelihood and promoting social harmony.Along with the deepening of China's credit market reform,the SME credit market has become an important market for the banking industry,especially the large state-owned banks,to promote business development and enhance competitiveness.As a large state-owned bank,Z Bank H Branch has always attached great importance to the development of SME credit business.SMEs have large bargaining space,which can bring more interest income to banks.Developing SME credit has become an important way for Z Bank H Branch to increase profits..However,in recent years,the risk of credit business of SMEs has been exposed with business development.How to more effectively carry out credit risk management of SMEs has become an urgent problem to be solved.Based on the theory of bank risk management and combining with finance,management and other related disciplines,this paper takes the status and system of SME credit risk management of Z Bank H Branch as the research object,through data collection,field investigation,and business related staff.In the way of discussion,etc.,using case analysis method to analyze the status quo of SME credit business of Z Bank H Branch and sum up the shortcomings of its business development,the main problems of Z-bank H branch SME credit risk management are: First,SME credit risk The management organization structure is not perfect,the management level is too much,the job setting is unreasonable,and the approval authority is too concentrated.Second,the risk identification and early warning mechanism is not perfect,the risk identification is too dependent on the enterprise financial data,the credit evaluation system for SMEs is lacking,and the risk warning is lacking.The indicators are difficult to operate,and the early warning signals are lagging;the third is that the management process is not in place,the pre-lending investigation process is rough,the loan review system is not perfect,and the post-lending management workflow is in the form;fourth,the incentive and restraint mechanism is unreasonable and lacks scientific performance.Evaluation mechanism and effective incentives Asymmetric means of restraint and incentive mechanism.In view of the problems and causes of the risk management of SME credit business of Z Bank H Branch,combined with the advanced management experience at home and abroad and the excellent journals and papers,the countermeasures and suggestions are put forward.The main countermeasures are as follows: First,improve the risk management organization structure,establish a SME credit franchise;Second,improve the risk identification and early warning mechanism;Third,strengthen the implementation of the business management process;Fourth,improve the incentive and restraint mechanism;Fifth,strengthen SMEs Credit team building.On the one hand,it helps H branches to improve their credit risk management framework for SMEs,standardize the risk management process,give practical guidance,and explore the methods of credit risk management for SMEs in large commercial banks.On the other hand,the perfect risk management of SME credit business will help promote the development of SME credit business in the banking industry,and will play a beneficial role in solving the financing difficulties of SMEs,help promote the promotion of inclusive finance,and maintain the stability of China's economy.