Risk Assessment And Control Of SMEs’ Credit Financing In A Putian Construction Bank

Small and medium-sized enterprise credit risk management system is an important part of the construction bank credit business,in the development of the market economy environment,with the deepening reform of China’s socialist market economy development and the national relevant policy support under the background of the development of small and medium-sized enterprises,the financing difficulties of small and medium-sized enterprises,small and medium-sized enterprise loans increased year by year,the credit risk management of small and medium-sized enterprises(smes)holes increased not only caused huge losses to the bank,also seriously damage the reputation of the bank,to the bank’s development has brought great pressure.Therefore,how to effectively build a credit risk management system for smes,reduce economic losses and reduce reputational risks has become an urgent problem for a putian construction bank.In this study a CCB in putian for small and medium-sized enterprise credit financing risk control as the research subject,adopting qualitative and quantitative methods in putian city of small and medium-sized enterprises credit financing,loans on the basis of analyzing the present situation and problems of financing risk control,combining both at home and abroad for small and medium-sized enterprise credit financing risk control related theory,analyze the current management of small and medium-sized enterprise credit financing risk control of related problems and corresponding reasons,and in view of the above factors optimization of small and medium-sized enterprise credit financing risk control countermeasures.The main conclusions are as follows:First of all,the credit financing risks of a small and medium-sized enterprise in putian in this study include:credit risk,operational risk and external risk.Second,putian now some problems that exist in the construction bank financing status of small and medium-sized enterprise credit are:imperfect credit financing risk control system,risk,it is necessary to improve the control ability of the lack of advanced control method,post-loan monitoring implementation does not reach the designated position.Again,this study expert weight grading result:credit risk and operational risk,the probability and impact,the largest credit risk and operational risk,the loans are used for not only the risk is big,influence degree is the highest,need give attaches great importance to the management;Guarantee form and hence mortgage rates,the guarantee system of social credit system,proportion,attention to management,to the back of the social credit system,guarantee system is a construction bank is only as participants in a market economy,the discourse right and interoperability is small,only by constantly called on to government departments,proposes the corresponding perfect countermeasure,be badly in need of a risk source of concern is the enterprise actual registered scale,enterprise production and operation management mistakes,malicious violations,credit staff from comprehensive qualities,can reduce risk source is industry enterprises,loans were actual cycle,policy risk,economic risk cyclical fluctuations,etc.Risk control is the main trouble:bank credit financing risk control system is not perfect,small and medium-sized enterprises are the main source of funds is still risk control of bank credit,bank of incomplete information system leads to review to pass.Finally,putian a construction bank loans for small and medium-sized enterprise credit financing risk control aspect,mainly from the four phases step by step to push:one is the full implementation of customer accurate positioning,take the credit rating evaluation management system,from source control the potential risks;Secondly,the corresponding risk management and control responsibility system should be formulated to control risks in the aspect of the system.Third,improve the comprehensive quality of credit staff;Fourth,establish communication mechanism and relevant legislative form according to bank credit financing information exchange.This has important theoretical and practical significance for a construction bank and small and medium-sized enterprises in putian.