Study On The Optimization Of Credit Risk Control For Small And Medium-sized Enterprises In A Commercial Bank

On November 22,2021,The State Council of China issued the Notice of The General Office of the State Council on Further Increasing the rescue and Assistance Efforts for small and medium-sized Enterprises through its official website(No.45,2021),which introduced that China’s small and medium-sized enterprises are the main force of national economic and social development.It has a major impact on promoting development,ensuring employment,invigorating the market economy and improving people’s livelihood.Promoting the development of small and medium-sized enterprises is an important economic strategy of governments at all levels.Financing difficulty is one of the important factors hindering the growth of small and medium-sized enterprises.Therefore,commercial banks can support the development of small and medium-sized enterprises by increasing their investment.However,due to the weak sense of resisting risks of small and medium-sized enterprises,it becomes crucial for commercial banks to strengthen the supervision of credit risks of small and medium-sized enterprises.This paper adopts information asymmetry theory,basket theory and comprehensive risk management theory,and introduces factor analysis method,and constructs enterprise credit evaluation,financial and other financial index analysis models.This paper analyzes and studies the credit risk management of the company,and finds the defects of A Commercial Banks in the credit risk management of small and medium-sized enterprises,mainly including the credit risk management structure of commercial banks,credit asset quality management,credit risk management mechanism of commercial banks,credit risk identification and measurement,credit risk control,etc.In this article,through analysis and study the problems of A Commercial Bank in the credit risk control,and put forward the corresponding optimization scheme,in view of the problems existed in power A commercial Banks to reduce non-performing loans,and enrich the connotation of information asymmetry theory,basket theory and comprehensive risk management theory.