Research On Credit Risk Prevention And Control Of Small And Medium-sized Enterprises In Henan Construction Bank

With the continuous progress and improvement of China’s market economy,small and medium-sized enterprises have played a great role in maintaining China’s social stability,promoting our employment and steady and healthy development of our national economy.Strong financial institutions have played an important role in promoting the development of small and medium-sized enterprises in Henan region,but in promoting the development of small and medium-sized enterprises,due to their own operation and management problems,resulting in a part of the bank’s funds can not be recovered,to the normal operation of banks caused certain risks,so how to promote the development of enterprises,promote the management of bank risks,has become the focus of bank management.This paper first analyzes the relevant research at home and abroad,combs the more famous risk management theory at home and abroad,at the same time,combs the definition of small and medium-sized enterprises and the theory related to credit risk management.The relevant theories are summarized as a good theoretical basis for the tobacco hotel in this paper.On this basis,the problems in credit risk management of small and medium-sized enterprises in Henan Construction Bank are expounded.Then,on the basis of determining the design objectives,principles,ideas and specific paths of credit risk prevention and control scheme,the emphasis is on establishing a perfect credit risk warning system for small and medium-sized enterprises,optimizing the process of consumer credit risk control,and innovating consumption The concrete contents of Henan Construction Bank’s credit risk prevention and control scheme for small and medium-sized enterprises are put forward in the aspects of credit risk management mode,improving internal control and management mechanism of consumer credit business,enriching consumer credit risk management means,perfecting consumer credit risk assessment mechanism and innovating consumer credit financial products.And from the organizational leadership,rules and regulations,reward and punishment mechanism,staff construction and other four aspects of the implementation of safeguards.Credit risk is the risk that banks must face in the process of development.In order to promote the healthy and stable progress and development of banks,we must solve these risks properly.Therefore,this study is based on Henan Construction Bank’s research on credit risk management of small and medium-sized enterprises.Through the research of this paper,it provides useful reference for Henan Construction Bank and the same financial institutions in preventing risks and promoting sustainable developers.