Research On Credit Risk Control Of Small And Medium-sized Enterprises In W Sub-branch Of China Merchants Bank

At present,as the “capillaries” of China’s economy,small and mediumsized enterprises play an important role in stabilizing the overall economy,increasing employment opportunities and improving market activity.According to the information released by the Ministry of Commerce at the end of 2021,the total number of market entities in China reached 154 million,among which 95.6percent were small and medium-sized enterprises.Small and medium-sized enterprises account for more than 60% of GDP,79.4% of employment and 50%of tax payments.However,according to the data of CBRC in recent years,the non-performing loan ratio of small and medium-sized enterprises of commercial banks shows a trend of accelerating exposure.How to deal with the relationship between the development of small and medium-sized enterprises’ credit business and preventing credit risks is a challenge that commercial banks must face in the process of providing financial services to small and medium-sized enterprises.Therefore,it is self-evident importance to study the credit risk control of small and medium-sized enterprises.Based on the research on the credit risk control of small and medium-sized enterprises of W Sub-branch of China Merchants Bank,this study explores the shortcomings of the credit risk control of small and medium-sized enterprises of the sub-branch in combination with the actual credit risk cases.Summarizes and analyzes the existing problems.On this basis,From strengthening loan risk factors identification before adjustment lending,optimizing the industry structure,improve the implementation of credit guarantee and innovating the mode of financing,strengthen post-loan management targeted optimization Suggestions,in order to promote the stable development of small and mediumsized enterprise credit business of China merchants bank W sub-branch,improve the small and medium-sized enterprise credit risk control level of W sub-branch,promote the small and medium-sized enterprise credit business market development,On the premise of controllable risks,we should increase the release of credit assets,so as to benefit more small and medium-sized enterprises and create greater value for W sub-branch in the credit business of small and medium-sized enterprises.At the same time,if the research results produce positive effects in the practice process of W sub-branch,it will be beneficial to popularize and apply to more grassroots branches.Finally,it can improve the effectiveness of small and medium-sized enterprises’ credit business operation.