Research On Credit Risk Management Of Small And Medium-sized Enterprises In PF Bank

Small and medium-sized enterprises account for more than half of China's GDP,its importance is self-evident.This is also the reason why the government has issued preferential policies to support smes during the epidemic period.Small and medium-sized enterprises are all over the country,but they are vulnerable to the impact of the economic and social environment,so to maintain the development of small and medium-sized enterprises is an important measure to improve the national people's livelihood,is the prerequisite for China's economy to take off for so many years.However,if small and medium-sized enterprises want to develop in a healthy and orderly way,they need to make a lot of efforts and cannot do without the loan support from financial institutions,especially Banks.Small and medium-sized enterprises(smes)are relatively small in scale and generally unable to compete with large state-owned enterprises in strength,so they have a relatively high risk probability.For such consideration,Banks tend to be cautious about the credit support of smes.From the perspective of small and medium-sized enterprises,this paper makes an in-depth study on how PF bank conducts risk management of loans to small and medium-sized enterprises.First,this paper expounds the present situation of credit risk management research at home and abroad,then describes the PF the bank credit risk management of small and medium-sized enterprise loan status quo,and to PF Banks present situation to reveal current problems,finally on the premise of through analysis and argumentation,puts forward the PF bank credit risk management problems of small and medium-sized enterprises are suggested.