Credit Risk Management Of Small And Medium Enterprises In C Bank

Small and medium-sized enterprises(SMEs)are the fresh force of our countryundefineds economy,and the backbone of promoting the national development,promoting employment,maintaining social stability and constructing the main body of market economy.At present,influenced by many factors,such as the complicated economic situation at home and abroad,the adjustment of domestic economic structure,inflation,slow growth rate and so on,the survival environment of small and medium-sized enterprises in China is very bad.In order to promote the healthy development of the small and medium-sized enterprises in our country,China has implemented a series of credit policies,which provides the guarantee for the financing loan demand of the small and medium-sized enterprises.At the same time,under the guidance of the economic form and the national policy,commercial banks also gradually increased the credit support for small and medium-sized enterprises.However,because of the imperfect internal control system,low credit rating,poor mortgage quality and liquidity ability,and weak ability to resist risks,etc.,SMEs have higher credit risk.But even so,commercial banks in China continue to develop and explore new credit products and services suitable for small and medium-sized enterprises,vigorously practice various credit modes and guarantee methods,and strive to expand their own market share of small and medium-sized enterprises.Therefore,how to perfect the credit risk management of small and medium-sized enterprises under the current situation is a key problem to be solved urgently.Firstly,this paper summarizes the related research of domestic and foreign experts and scholars on bank credit risk,then elaborates the definition criteria of SMEs and credit risk theory in China,analyzes the characteristics of credit risk,types of credit risk and credit risk management methods.C Bank is taken.as the research object,the credit business of small and medium-sized enterprises.as starting point,and according to the real credit data of C Bank,this paper analyzes the current credit business situation,credit policy,approval process,internal rating,and the causes of credit risk of small and medium-sized enterprises in C Bank.Relying on the comparative analysis of the real credit cases of G company and Y company,this paper combs the differences and risk points of different corporate customers in the whole credit business process of C Bank,and discusses the problems in the credit business process of C Bank.Finally,in view of the problems existing in C Bank,the paper proposes reasonable countermeasures and suggestions: firstly,to establish a scientific screening mechanism for customer access conditions;secondly,to improve the bank credit management mechanism;thirdly,to explore the path of financial innovation for small and medium-sized enterprises.Nowadays,the financing of small and medium-sized enterprises in China is facing a very severe test.It is of practical significance to study how to control the credit risk of small and medium-sized enterprises and guard against the risk.And it also fits the background of social and economic development.