Research On Risk Control Of Wenzhou Huadeli Footwear Credit Project

With the adjustment and transformation of China's economic structure,the country's economic focus has been on supporting the development of SMEs.For banks,the development of credit business for SMEs is playing an increasingly important role in banking operations.However,at present,the high default rate and unregulated management of SMEs make banks risk greater credit risk when they carry out SME credit business.Therefore,how to do a good job in credit management and strengthen the risk management of SME credit business has become an important task for banks.Therefore,it is necessary to conduct in-depth and meticulous research on credit risk management and control of SMEs.This article selects Wenzhou Huadeli Shoes Co.,Ltd.as a case study of credit risk of SMEs.The lender of this project is Wenzhou Branch of Industrial and Commercial Bank of China,and the lender is Wenzhou Huadeli Shoes Co.,Ltd.Based on the analysis of the status quo of credit risk management of SMEs in Wenzhou ICBC,the paper uses the risk expert survey enumeration method to consider that there are four risks of borrower's operating risk,borrower's credit risk,project social risk and bank internal risk.Based on the identified risks and risk causes,this paper constructs a risk evaluation system for Huadeli 's 9.99 million yuan project.By constructing a multi-level fuzzy model,the relative weight of each risk and the risk value of the credit project are 3.31 points.Class B risk,and the risk of borrower's operating risk is the biggest among all risks,followed by the credit risk of the borrower and the social risk of the project.The risk potential of the bank's internal risk is the smallest.This is used as a basis for evaluating the risk of the credit project.For the risk management of borrowers with large hidden dangers,it is necessary to improve the review and help of their profitability;for the credit risk of borrowers,Wenzhou ICBC It is necessary to improve the credit file and credit management review of borrowers and guarantors,and at the same time,during the process of credit projects,it should be checked regularly or irregularly;in addition,by paying close attention to the direction of national economic policies and changes in the footwear market.Bank monitoring and analysis,as well as enterprises should pay more attention to prevention and monitoring,reduce social risks;for the risk of small risks of banks,Wenzhou ICBC should also be evaded through team and cultural construction.