Analysis On Credit Risk Management Of Small And Medium-Sized Enterprises In Taiyuan Branch Of China Merchants Bank

With the development of the national economy,small and medium-sized enterprises play an increasingly important role in the socialist market economy system,and have made important contributions to promoting economic development,prospering the market economy,expanding employment,and increasing fiscal revenue.In recent years,the global economy has been sluggish,and domestic economic growth has also faced great pressure.Many outstanding problems have accumulated in economic development,among which the financing difficulties of private enterprises and small and medium-sized enterprises are one of them.Therefore,all levels of government from the central to local governments have issued policies that require banks to increase support for small and medium-sized enterprises.In fact,banks have begun to explore small and medium-sized enterprise financing as early as many years ago.As we all know,credit business is a core component of banking business and an important source of bank profit.However,small and medium-sized enterprises have brought large credit risk to commercial banks due to irregular business operations,low realism of financial data,and limited guarantee conditions.As a result,commercial banks are unable to fully support small and medium-sized enterprises financing.Therefore,how to find a balance between responding,supporting national policies and strategies,steadily exploring and effectively preventing credit risks of small and medium-sized enterprises in new profit areas is a severe test for commercial banks and a major issue that must be faced.This paper firstly takes the relevant theories of comprehensive risk management and life cycle as the research object,and based on this,reveals the credit risk faced by the current small and medium-sized enterprises from the theoretical level.In the actual research,based on theoretical research,combined with the actual situation of China Merchants Bank Taiyuan Branch,starting from its current risk management model,from macroeconomic research,assessment system,job setting,operational risk management,compliance management and employee management,analyze the main problems faced by current small and medium-sized enterprises credit risk management,and believe that macroeconomic changes and internal management of banks have caused the current credit risk management of small and medium-sized enterprises.At the end of the thesis,by referring to domestic and foreign research results and experience,combined with China's credit risk prevention and control work,it proposes relevant measures including macroeconomic research and sound risk management system.