Research On Ningbo Z Commercial Bank's Credit Risk Control Of Regional SMEs

With the increasing competition in Commercial Bank,The SME credit business which position in the credit business of the commercial bank becomes more important.Compared with large enterprises,a significant increase in the risk of SME credit business,the credit default rates and adverse rates are significantly higher than the former.In recent years,supervision departments actively promote commercial banks about credit support for SMEs,but the small and medium-sized enterprise lack anti risk ability itself,whose operation was lack of standardization,and also the social credit system is not perfect with a series of problems,which increased the difficulty of commercial banks to SMEs credit risk control.Based on the Ningbo Z commercial bank as a case study,in view of the present situation of Ningbo Z commercial bank credit risk control of small and medium-sized enterprises,combined with the present development situation and financing needs of small and medium enterprises in Ningbo area,analysis of Ningbo Z commercial banks to SMEs credit risk control deficiencies,and puts forward the risk control plan to improve the Ningbo Z commercial banks to small and medium enterprises credit business,to guarantee the safety of Ningbo Z commercial bank'credit assets objective,this study has important significance to promote the healthy development of Ningbo Z bank SME credit business.