Research On Risk Management Of SME Credit Business Of Bank Of China X Branch In The Post Epidemic Era

In the post-epidemic era,the new crown epidemic continues to recur,and various political and economic risks at home and abroad are superimposed,which has brought a greater impact on the operation of my country’s real economy.As the backbone of my country’s economic construction,small and medium-sized enterprises are also facing unprecedented difficulties in production and operation.The quality of commercial banks’ credit assets is seriously threatened,resulting in frequent occurrence of bad credit.Based on this,how to improve the quality of credit assets and solve the dilemma of difficult and expensive financing for small and medium-sized enterprises has become an important issue that needs to be considered urgently for the sound development of commercial banks.Therefore,in the post-epidemic era,it is very important to reflect and discuss the risk management of commercial banks’ SME credit business.In this context,this paper researches and sorts out the credit risk management of commercial banks and the impact of the new crown epidemic.Combined with the theory of information asymmetry,it analyzes the impact of the epidemic on the development of small and medium-sized enterprises and the credit business of Bank of China X Branch,and summarizes the epidemic situation.The new credit risk factors for SMEs under the impact are mainly commercial risks,external risks and internal risks.On the basis of the above research,the analytic hierarchy process is used to construct the SME credit risk management model of X branch,and S company is selected as a case for analysis to evaluate the credit business risk of S company.According to the risk assessment results,it pointed out that under the impact of the epidemic,there are problems in the risk management of X branch’s SME credit business,mainly because the credit risk assessment system is not perfect.It analyzes its causes from four aspects: loopholes in the credit business process,weak and outdated risk management concepts,insufficient risk management professional ability,and weak risk management cultural atmosphere.In response to the problems found,countermeasures and suggestions are put forward,and the risk management methods of SMEs’ credit business are further explored,and the quality of credit assets is continuously improved,so as to provide reference and reference for commercial banks to better prevent the risks of SMEs’ credit business in the post-epidemic era.The main conclusions of this paper are: the COVID-19 epidemic has a great impact on small and medium-sized enterprises and commercial banks,and the pressure on the management and control of credit risk for small and medium-sized enterprises in X Branch continues to increase.Small and medium-sized enterprises will face more business risks,external risks and internal risks under the impact of the epidemic.In this context,X Branch should re-examine the credit risk management of SMEs from these three dimensions,by optimizing the credit risk management process,strengthening the innovation of credit risk management concepts,improving the professional ability of credit risk management,and reshaping the cultural atmosphere of credit risk management.To further reshape the credit risk assessment system,while promoting the business development of commercial banks,small and medium-sized enterprises will continue to increase their vitality and motivation,so as to achieve a win-win situation for banks and enterprises.