Research On Credit Risk Control Of Small And Medium-sized Enterprises In DL Bank

At present,the application and development of Internet technology in various industries have promoted more opportunities for entrepreneurship,and also led to the rapid development of small and medium-sized enterprises in various industries.However,SMEs in the growing stage often need to obtain financing from external banks to achieve scale expansion.Small and medium-sized enterprises can easily expand blindly in pursuit of maximum profits and scale.After expansion,they will promote production through further financing,which will transfer risks to external banks or financial institutions.Therefore,for banks and other external financial institutions,when lending to SMEs,it is necessary to conduct a comprehensive analysis of the operation status,development prospects and financial capabilities of SMEs,and to assess the credit risk of SMEs,so as to determine whether to grant loans.On this basis,this paper studies the credit risk of small and medium-sized DL banks,identifies the risk factors,determines the risk assessment indicators,and puts forward the corresponding credit risk prevention and control measures.Firstly,on the basis of explaining the related concepts and risk control theory of SMEs,this paper analyses the current situation,problems and causes of credit risk control of SMEs in DL Bank.Among them,the current situation analysis mainly includes the credit risk control organizational structure,control process and control system.Problem analysis mainly includes that risk prevention and early warning mechanism needs to be improved,credit risk assessment is inaccurate and stock early warning customers continue to cooperate.The reason analysis mainly includes the inadequate identification of credit risk,the lack of scientific credit evaluation methods and the inadequate pre-loan and post-loan investigation.Secondly,the identification and evaluation system of credit risk of small and medium-sized enterprises in DL bank is established,and the relevant impact indicators of credit risk factors of small and medium-sized enterprises are designed by questionnaire survey,and the questionnaire data are counted.On this basis,the credit risk assessment model of small and medium-sized enterprises is established and calculated with questionnaire data.Through DL bank SMEs credit risk assessment results to determine whether to handle loan business.Finally,according to the analysis of problems and reasons,combined with the established credit risk identification and evaluation system of DL bank SMEs,this paper puts forward the measures to prevent and control credit risk of DL bank SMEs,including strengthening the early warning and identification management of credit risk,optimizing the management of bank credit risk assessment and optimizing the process of Bank credit risk management.