Research On SMEs' Credit Risk Management Of Bank Of Jilin Changchun Branch

At present,China's economy has entered a new normal,and small and micro enterprises are an important part of China's national economy.The development of small and micro enterprises is of great significance for stable economic growth,adjustment of industrial structure,promotion of employment,and popularization of people's livelihood.However,small and micro enterprises have the characteristics of small scale,weak ability to resist risks,lack of management ability,and chaotic financial management.The financing situation is not optimistic in the development process.Due to the relatively backward risk management and control level of China's urban commercial banks,the credit risk faced by urban commercial banks in the development of micro-credit business is relatively high,and the non-performing rate is rising.Commercial banks have cautious loans to small and micro enterprises.Small and micro enterprise credit business has become one of the important businesses for the strategic development of commercial banks.While ensuring the development of small and micro credit business,it is particularly important to prevent a large number of credit risks.This paper uses the research on the credit risk management of small and micro enterprises to control the credit risk of small and micro enterprises,reduce the non-performing rate of small and micro enterprises' credit business,improve bank profits,and ease the financing difficulties of small and micro enterprises.The situation of financing is expensive and promotes the development of small and micro enterprises.This paper is divided into four parts.The first part mainly describes the research background and significance,the research content and methods,the basic theory and the literature review.Explain the contribution of small and micro enterprises to China's economy under the new economic normal background.However,due to the insufficient risk management level of banks,the credit demand of small and micro enterprises cannot be satisfied.Therefore,it is more important to study credit risk management.In the first chapter,the basic theories of this paper are introduced,including information asymmetry theory,credit rationing theory and enterprise life cycle theory.The second part says the current situation and existing problems of credit risk management of small and micro enterprises in Jilin Branch Changchun Branch.Through the analysis of the process,system,management mode and risk performance of the micro-credit business of Jilin Bank Changchun Branch,it is found that the small and micro enterprise credit of Jilin Bank Changchun Branch has issues on risk identification and risk in lending investigation,loan approval and post-lending inspection.Control and risk disposal.The third part analyzes the causes of the small and micro enterprise's credit risk problem of Jilin Bank Changchun Branch.The main causes of the risk management problem of Jilin Bank Changchun Branch originated from itself,which is reflected in the credit evaluation system,credit practitioners,process and system aspects and risk control.The credit business process is mainly for investigation,approval and inspection.How to identify risks,control operational risks,optimize processes,and clarify responsibilities and accountability systems have become the focus of small and micro credit risk management of Jilin Bank Changchun Branch.The fourth part proposes an improvement plan from four aspects: internal risk assessment system,risk awareness of credit practitioners,risk management process and system,and risk control system,to solve the problems in the micro-credit risk management of Jilin Bank Changchun Branch.Through the analysis of the current situation of credit risk management of small and micro enterprises in Jilin Branch Changchun Branch,we found out the problems,found the reasons for the formation,proposed targeted solutions,improved the ability to identify small and micro credit risks from the source,and control credit risk.To reduce the cost of corporate credit risk and promote the sound development of small and micro enterprise credit business based on credit business.