Research On Credit Risk Management Of Small And Medium-sized Enterprises In Commercial Banks

The small and medium-sized enterprises(SME)are the main body of the market economy,which promotes the development of national economy and promoting social stability.Under the background of the current national economic development,the number of small and medium-sized enterprises is increasing rapidly,which will promote the economic growth of China to some extent.In addition,in order to vigorously develop small and medium-sized enterprises,the state has issued relevant policies to encourage and support small and medium-sized enterprises financing.In recent years,in response to the national call,SPD bank C branch has vigorously developed the loan business for the small and medium-sized enterprises from 2012 to 2015.With the rapid increase of loan scale,risks are gradually exposed.Because of the national economy as a whole in descending in recent years,economic growth is slowing,small and medium-sized enterprises vulnerable to the impact of economic fluctuation,this makes the small and medium-sized enterprise management difficulties,and the small and medium-sized enterprise own characteristic,operation risk big,the lack of sufficient collateral,etc.,led to the credit risk is bigger,frequent bank defective rate.SME customers are the group with high non-performing loans in SPD bank C branch.Therefore,strengthening the credit risk management and control of SME has become an important issue for the development of SPD bank C branch.How to develop SME business continuously and healthily while effectively controlling risks has become one of the problems that commercial banks need to deal with.As an employee of the risk management line of C branch,I have the responsibility and obligation to solve problems and put forward opinions for the unit by combining theory with practice.Therefore,the Shanghai Pudong Development Bank C Branch,small and medium-sized enterprise credit risk management research,by raising the credit risk management level,at the same time of increase credit support for small and medium enterprises,not only can continue to prompt the development of small and medium-sized enterprises,can effectively reduce the happening of the risk,and to further promote the development of Shanghai Pudong Development Bank C Branch,to expand a greater market share to lay a solid foundation.Therefore,this study is of practical significance and research value.We hope to develop a set of credit risk prevention mechanism with high feasibility through analysis and discussion.This paper mainly takes the C branch of Shanghai Pudong Development Bank as the case study object,and discusses the reasons for the formation of credit risk of small and medium-sized enterprises,the status quo of credit risk management and existing problems,and discusses the main countermeasures for improving credit risk management.The first chapter is the introduction,which mainly describes the research significance,research background,research methods,research status at home and abroad,research methods and content.The second chapter is an overview of the credit risk of small and medium-sized enterprises.It elaborates the concepts and basic theories of small and medium-sized enterprises and credit risk management.The third chapter is about the current situation of SME credit business of SPD bank C branch.Firstly,it makes a brief introduction of SPD C Branch.Secondly,it elaborates on the current situation of SME credit and credit products of SPD bank Chongqing C Branch.The fourth chapter studies the problems of SME credit risk management in C Branch of SPD bank and summarizes the main problems in credit risk management.The fifth chapter is a study on the countermeasures and Suggestions for SME' credit risk management in SPD bank C Branch.Based on the current business development of SPD bank C Branch and relevant theories,the author puts forward countermeasures for improving SME' credit risk management and effectively preventing SME' credit risks.Chapter six is the conclusion of this thesis.The seventh chapter looks forward to the research of credit risk management of SME.This paper innovation spot is combining theory with practical work,according to the existing theories,the Shanghai Pudong Development Bank C Branch as a case study analysis,describes the Shanghai Pudong Development Bank Branch C for small and medium-sized enterprise credit risk management status,and apply theory to solve the problem of small and medium-sized enterprise credit risk,circumvent the risk of small and medium-sized enterprise credit for Shanghai Pudong Development Bank Branch C some constructive countermeasures are put forward.In addition,this paper processed and analyzed the basic credit data of small and medium-sized enterprises in C Branch,made statistical analysis on the distribution of stock loans according to the industry investment,products and guarantee modes,studied the existing problems in credit risk management,and finally got the countermeasures.In the case study,this paper focuses on the credit risk management of C Branch of Shanghai Pudong Development Bank.By studying the existing situation,the paper analyzes the main problems,and finally puts forward Suggestions and countermeasures for the credit risk management of small and medium-sized enterprises.However,due to the limited scope of work and incomplete data analysis ability of the author,the research content is not detailed and in-depth enough to analyze the credit risk of small and medium-sized enterprises through quantitative models.Therefore,it is necessary to strengthen the demonstration in this aspect in future studies.