Research On Credit Risk Management Of SMEs In Wuxi Branch Of S Bank

Compared with the six major banks and the national joint-stock banks,the city commercial banks in China have the advantages of high efficiency,convenience and flexibility.They are an important part of China's financial system,especially promoting local economic development.With the vigorous development of city commercial banks in recent years,the competition is becoming more and more fierce.Although at the beginning of its establishment,the city commercial banks mainly served local small and medium-sized enterprises,but in recent years,the development of the crazy,more city commercial banks will also focus on the business of government and telecommunications and large-scale enterprise credit.With the deepening of financial supply-side reform,more city commercial banks gradually shift their business focus to the credit business of small and medium-sized enterprises.But the credit risk of small and medium-sized enterprises is difficult to identify.In order to mitigate the risk,banks add a full amount of collateral,but small and medium-sized enterprises,especially small and medium-sized technology-based enterprises with light assets,often do not have a full amount of collateral.The fundamental reason lies in the difficulty of bank credit risk management.If city commercial banks can achieve better expansion of small and medium-sized enterprises and reduce non-performing loans,they must solve the problem of risk management in small and medium-sized enterprises loans.Therefore,the high-quality management of credit risk of small and medium-sized enterprises in city commercial banks is an important guarantee to maintain their business continuous expansion,asset security and profitability while expanding their credit business.Based on the theory of credit risk management and 4R crisis,combined with the relevant theories and characteristics of credit risk management of small and medium-sized commercial enterprises,this paper uses the methods of case study,literature investigation and analysis,data analysis and causal diagram to study the present situation of credit risk management of small and medium-sized enterprises in Wuxi Branch of Bank S.Find out the high non-performing rate,weak expansion of SMEs,credit risk assessment and measurement model of Wuxi Branch of bank s,and analyze the problems of credit risk management of SMEs in Wuxi Branch of bank s.This paper puts forward the objectives,principles and framework of risk management optimization of S Bank Wuxi Branch and the optimization strategy system.Under the safeguard measures of combining financial science and technology,this paper forecasts the effect of credit risk management optimization of SMEs in Wuxi Branch of Bank S.After the implementation of the optimization,Wuxi Branch of Bank S has a better promotion in the expansion of SMEs,credit risk management and profitability.