Research On SMEs’ Credit Risk Management Of BL Branch Of Agricultural Bank Of China

Small and medium enterprises are an important part of our economy,playing an important role in our economic development,and have made great contributions to our economic growth and social development.In 2020,the General Office of the China Banking and Insurance Regulatory Commission issued the Notice on Promoting the "Incremental Expansion,Improving Quality and Reducing Cost" of SMEs ’ Financial Services to clarify the overall goal,strive to achieve the "incremental expansion,improving quality and reducing cost" of small and micro enterprises’ financial services,strengthen classification assessment and supervision,grasp the total amount and pace of small and micro enterprises’ credit issuance,and strengthen the implementation of credit plans.,ensure significant credit growth for small and micro businesses throughout the year.At the same time,the circular stressed that while coordinating the prevention and control of COVID-19 and economic and social development,the "six stability" measures should be strengthened to further ease financing difficulties and high prices for small and medium-sized enterprises.Therefore,in the context of the normalization of epidemic prevention and control and the resumption of work and production,major commercial banks across the country are vigorously developing the loan business of SMEs.However,due to the asymmetric information,many SMEs fail to provide real information for risk assessment when applying for loans from banks,and the credit risks of SMEs in many banks are constantly exposed.This not only unfavorable our country small and medium-sized enterprises financing and development,but also increases the credit risk of banks.Based on the above background,thesis paper takes the BL branch of Agricultural Bank of China as the research object,studies the risk management of credit business of small and medium-sized enterprises,analyzes the status quo,existing problems and causes of credit risk management of small and medium-sized enterprises,and puts forward optimization strategies.First of all,in the chapter of related concepts and theoretical basis,by making clear the concepts of credit risk of SMEs and credit management risk of SMEs in commercial banks,it lays a good foundation for subsequent research.By understanding the status quo of credit risk management of SMEs in BL sub-branch of Agricultural Bank of China,including the overall scale of its credit business,the proportion of credit of SMEs and the analysis of non-performing loans,etc.Further clarify the status quo of SME credit risk management.Secondly,based on the five dimensions of risk identification,risk assessment,risk control,risk monitoring and risk backtracking,a questionnaire was designed and issued to deeply discuss the problems existing in the credit risk management of small and medium-sized enterprises of Agricultural Bank of China BL branch.Including the lack of understanding of business conditions,the industry policy evaluation of the blind spot,credit team capacity is insufficient,lack of information feedback mechanism,post-loan management is mere formality,and find out the root cause of these problems.In the final optimization strategy part,a series of optimization strategies are proposed according to the problems and reasons found.The research results of thesis paper have certain reference value for the credit risk management of small and medium-sized enterprises in commercial banks,which can improve their level of credit risk management and achieve stable and healthy development.At the same time,it also provides reference for other financial institutions to carry out small and medium-sized enterprise credit business.