Research On SME Credit Risk Management And Control Of ZDNS Bank

Modern commercial banks are special enterprises operating risks.The bank's profit must be obtained by taking risks,and the spread between deposit and loan must bear such risks as the loan funds cannot be received back and the deposit funds must be paid when they mature.Therefore,risk control is the lifeline of commercial banks and the key factor affecting the success or failure of commercial banks.As an important part of China's market economy,small and medium-sized enterprises are gradually becoming the main force in the development of social productive forces.ZDNS Bank,as a large joint-stock commercial bank in zhangdian district,has been in a leading position in the market share of deposit and loan business of the major commercial banks in our region.ZDNS Bank has been supporting SMEs in our region,SME loans is the main position of ZDNS bank credit business.In the face of complex financial market competition,how to grasp the main position of SME credit business and effectively control SME credit risk is an important issue for ZDNS bank to study.This paper first combines the risk characteristics of SMEs,starting from the current situation of credit risk control of ZDNS bank SMEs,finds out the problems and difficulties of credit risk control of ZDNS bank SMEs.Among them,the problems of SMEs' credit risk control include: lack of effective credit risk prevention and control means,lack of effective risk assessment methods,risk control culture "lack",risk assessment index system is not perfect,no appropriate risk assessment model has been established,loan risk point is difficult.After comparing several common credit risk control and analysis methods,the Logistic model is used to evaluate the credit risk of ZDNS bank SMEs,Taking into account the factors such as the availability of data,the degree of cooperation between enterprises and the authenticity of financial statements,64 SMEs(including 50 normal loan enterprises and 14 default loan enterprises)served by ZDNS Bank were selected to take the form of telephone consultation,door-to-door investigation after loans and collation of credit files.Collect the financial statements of enterprises,obtain 21 financial indicators,and establish the Logistic model,which provide data model reference for ZDNS bank risk management.The Logistic model shows that there are 9 indexes in the financial statements of SMEs in ZDNS Bank,such as the quick ratio,the turnover rate of accounts receivable,the profit margin of assets,the net profit margin of assets,the operating profit margin,the ratio of non-financing cash inflow to current liabilities,the cash rate of main income,the turnover rate of fixed assets andthe rate of return on total assets.It has great influence on default risk.Among them,account receivable turnover rate,asset profit rate and total asset return rate have the greatest impact on default risk,which should be paid special attention to.Finally,the paper analyzes the obstacles of the risk control model in the application of SME credit in Zhangdian District,and puts forward some suggestions for ZDNS Bank to apply credit evaluation model to control the credit risk of SMEs.