A Study On The Impact Of Credit Default Of Small And Medium Sized Enterprises In Branch A Of Commercial Bank And Its Preventive Measures

Small and medium-sized enterprises(smes)play an important role in our national economy composition,and it is inevitable to promote economic growth and stable employment to develop small and medium-sized enterprises.However,in today’s society,the problem of "financing difficulties" of small and medium-sized enterprises is widespread.One of the reasons for this phenomenon is that the credit default rate of small and medium-sized enterprises is high.Small and medium-sized enterprises are prone to credit default risk due to their insufficient capital capacity and lack of adequate and effective guarantee.Therefore,the study of factors affecting credit default of small and medium-sized enterprises and preventive measures will help commercial banks to better meet the financing needs of small and medium-sized enterprises on the premise of effectively preventing risks,so as to effectively solve the problem of "financing difficulties" of small and medium-sized enterprises and promote the sustainable development of small and medium-sized enterprises.First of all,based on domestic and foreign literature,this thesis reviews the related research frontiers,introduces the concepts related to credit default,and summarizes the information asymmetry,soft budget constraints,credit risk management and other related theories.Secondly,it introduces the current situation of commercial banks’ credit defaults in Shandong Province and even the whole country and the factors affecting credit defaults of small and medium-sized enterprises.Based on this background,it also analyzes the credit scale,existing problems and typical cases of credit default of small and medium-sized enterprises in A branch of commercial bank.Thirdly,in combination with domestic and foreign literature and typical cases of credit default of commercial bank A branch,in the case of communication with the staff of credit related departments of commercial bank A Branch,8 influencing factors of credit default were finally determined and made into a questionnaire.The questionnaire was conducted on 143 relevant staff and the main influencing factors were determined by factor analysis method.Using SPSSAU statistical software to process the results of the questionnaire,the conclusion is drawn:borrowers,commercial banks and objective environment will affect the loan default of smes tvarying degrees,among which borrowers have the greatest impact on the credit default of smes in A branch of commercial bank.Finally,in view of the above factors affecting default,preventive measures are proposed,including strict examination of borrowers,strengthening of internal management of commercial banks,and full study of national industrial policies,so as to improve the credit risk prevention and control ability of small and medium-sized enterprises of commercial bank A branch.