Study On Credit Management Of SMEs In Shannxi Branch Of Bank C

There are many SMEs in China,which are widely distributed.They are the important driving force of social and economic development.Their contribution to China's GDP is more than 60%.Their financing needs have become an important business segment of commercial banks.However,novel coronavirus epidemic is a major threat to the market in the absence of targeted risk management models and means for SMEs in the light of the credit business of SMEs.In the context of the severe impact of the 2019-nCoV outbreak on the market in 2020,how commercial banks effectively control the credit risks of SMEs and balance the needs of financing development of SMEs in banking assets are becoming a new form.It is the focus of domestic economic development.This paper chooses the credit risk management of small and medium-sized enterprises in Shaanxi Branch of Bank C as the research object.On the basis of the theory of risk management and credit risk of single legal person customer of commercial bank and previous research,it investigates and introduces the basic situation and current credit management methods of Shaanxi Branch of Bank C.This paper analyzes the risks in the credit business of small and medium-sized enterprises of bank C.According to the main line of risk identification,risk assessment,risk monitoring and risk management,with the division of credit risk,operational risk and external risk,the risk points caused by internal management of banks,external borrowing enterprises and market factors are summarized.In the research,we found that the problems caused by the current internal factors of Bank C Shaanxi branch are mainly reflected in the lack of risk identification due to operational risk,the lack of more targeted risk assessment standards for SMEs and the lack of post loan supervision;and the external market factors risk comes from the information asymmetry between banks and enterprises,the development limitations of SMEs and financial disclosure.In view of the risks of internal factors,this paper puts forward some suggestions for improving the pre credit investigation method,including the credit rating method incorporating more non-financial indicators according to the characteristics of SMEs,and the whole process management after the loan;and for the risks caused by external factors,it can introduce big data technology,enrich financial products with more industry and enterprise scale,and upgrade the level of human resources.Style response.In order to ensure the effective implementation of the improved design of credit risk management for small and medium-sized enterprises in Shaanxi Branch of Bank C,this paper finally proposes three detailed safeguard measures: organization setting,information technology support and practical development.With a view to providing comments on the expansion of credit business of small and medium-sized enterprises and the control of its own credit risk of Shaanxi Branch of bank C.