Research On Risk Assessment And Control Of JS Bank HF Branch SME Credit Business

Small and medium-sized enterprises are an important part of our national economy,promoting the rapid and healthy development of our national economy and playing an important role in promoting the prosperity and development of our national economy.However,due to the impact of the COVID-19 pandemic and the complex international situation in 2020,the operation of small and medium-sized enterprises fell into an unprecedented development dilemma,and most of them even suffered losses,which led to the failure of many enterprises with existing loans to repay loans normally and brought a large number of non-performing loans to banks,so the bank credit policy began to tighten.Therefore,this paper chooses JS Bank HF branch SME credit business as the main line of research,based on the review of-the related literature research results on the incentives,risk identification and risk management problems of SME credit risks in commercial banks.Through the research,based on investigation,data analyses,JS bank HF,and its small and medium-sized enterprise credit business,enterprise credit risk management of the basic situation,through the analysis found that small and medium-sized enterprises in JS bank HF branch credit credit risk,management risk is high,the bank staff approval for material control is not strict and operational risks,Through further analysis,the main reasons for the credit risk of HF branch smes are as follows:Operation risk identification and assessment system to be perfect,credit process is of great importance to improve the management system of the execution,small and medium-sized enterprise credit risk assessment mechanism defects,bank staff professional ability to ascend four aspects,in order to further strengthen the bank of JF,HF,small and medium-sized enterprise credit risk the article using the layer analysis method,From the four dimensions of credit risk,financial management risk,material approval and operation risk,11 secondary indicators are refined to construct the risk evaluation model of JS Bank HF branch smes,and the efficiency coefficient method is used to evaluate it.Finally,it is concluded that there are still certain credit risks in JS Bank HF branch smes.It is also necessary to further strengthen the credit risk management of small and medium-sized enterprises in HF branches.Finally,the thesis also for JS bank HF,small and medium-sized enterprise credit business risk control,from the raise the level of small and medium-sized enterprise credit business risk factors identification,optimization of small and medium-sized enterprise credit business process management,to establish small and medium-sized enterprise credit business risk early warning mechanism,strengthen the small and medium-sized enterprise credit business risk management four aspects put forward the countermeasures to prevent risks,It provides a useful reference to help JS Bank HF branch small and medium-sized enterprise credit business risk prevention mechanism.In a word,through the paper,the study found in the current social economic environment,strengthen the bank risk evaluation for small and medium-sized enterprises,improve the level of credit risk control can help Banks better strengthening fund management,promote the effective operation of funds,at the same time,to a certain extent to regulate small and medium-sized enterprise credit business operation process,improve the level of credit risk control,And then ensure the healthy and orderly development of small and medium-sized enterprises.