The Research On SMEs Credit Risk Management Of A Bank G Branch

In recent years,small and medium-sized enterprises(SMEs)have gradually emerged in the national economy and tax growth.They also have a considerable impact on promoting social employment and social progress and development.For small and medium-sized enterprises,financing has become the only way to accelerate their development.However,due to the limitations of SMEs' financing characteristics and the impact of the overall economic environment,the credit risk of commercial banks for SMEs is becoming more and more obvious,which makes the credit control of commercial banks more and more strict.The development of SMEs is restricted unprecedentedly.How to effectively control credit risk and achieve win-win situation between banks and enterprises has become an urgent problem for commercial banks.Based on the case of A bank G branch,this paper combs the process of credit risk management of small and medium-sized enterprises in the bank.It mainly analyses the causes of risks in credit business.Then this paper puts forward corresponding risk prevention measures and improvement suggestions.It consists of six chapters.The first part is introduction.Firstly,it introduces the background and significance of this study,and expounds the research methods,research ideas and framework.The second part is theoretical basis and literature review.This paper introduces the concepts of credit risk of small and medium-sized enterprises and commercial banks,as well as the relevant theoretical basis of credit,and mainly reviews the research results of scholars at home and abroad.The third part analyses the current situation of credit risk management of SMEs in A Bank G Branch,and combs the current risk management process.The fourth part discusses the problems arising from the credit risk management of small and medium-sized enterprises in A Bank G Branch,and analyzes the causes of the risks in the credit process of small and medium-sized enterprises in Bank A G Branch from the aspects of commercial banks,small and medium-sized enterprises and external environment.The fifth part is the countermeasures to improve the credit risk management of SMEs in G Branch of Bank A.On the basis of the analysis of the reasons in the fourth part,some suggestions and measures for risk management are put forward.The sixth part,conclusion,summarizes the above risk management.