Research On Credit Risk Management Of Small And Edium Sized Enterprises In Quanzhou Branch Of Bank C

There are many small and medium-sized enterprises in Quanzhou area,which contribute a lot to the economic growth of our city.The development and transformation of small and medium-sized enterprises in our city cannot be supported by capital,and commercial banks are especially important to the credit support of small and medium-sized enterprises.However,due to the characteristics of small and medium-sized enterprises(SMEs),the phenomena such as the single ownership structure,the disorder of organizational management and the irregularity of financial management are very common,and the asymmetry of information between commercial banks and SMEs,which poses a serious challenge to the risk management of the process of credit granting by commercial banks.The continuous improvement of credit risk management in small and medium-sized enterprises has the same significance to both commercial banks and small and medium-sized enterprises.Firstly,based on the advanced credit risk management theory and practice experience of commercial banks at home and abroad,this paper defines the concepts of small and medium-sized enterprises(SMEs)and credit credits,and combs the related theories and methods of risk identification,measurement and evaluation based on risk management,and credit risk management based on assets and liabilities.Second,according to the author's work experience in Quanzhou Branch of C Bank,taking Quanzhou Branch of C Bank as an example,this paper analyzes the credit status of small and medium-sized enterprises in Quanzhou City,and points out that there are four problems in credit risk management of small and medium-sized enterprises,such as imperfection of credit rating system,lag of risk early warning and feedback mechanism,rigidity of guarantee mechanism and unreasonable position.Finally,this paper puts forward practical solutions from four aspects: Perfecting the credit rating system,rebuilding the risk early-warning feedback system,perfecting the guarantee system,Optimizing the Post Establishment and Strengthening the Construction of Talents,and protecting the credit business of the commercial banks.