Research On Credit Risk Control Of SMEs In JHZB Branch

The rapid development of small and medium-sized enterprises has become an important source of customers for commercial banks,and also provides the main incremental profits for commercial banks.However,the management of small and medium-sized enterprises is not standardized,the operation risk is high,and it is difficult to provide sufficient guarantee,and the credit risk is significantly higher than that of large and medium-sized enterprises.Therefore,how to analyze and control the credit risk of SMEs in the process of increasing credit support for SMEs has become an urgent problem to be solved in the healthy development of credit business of commercial banks.Based on the review of previous studies,this paper uses the case study method to explore the credit risk management of small and medium-sized enterprises in JHZB branch on the basis of credit rationing theory,transaction cost theory,loan commitment theory and information asymmetry theory.Through interviews and field research,we can find the current situation and problems of credit risks management of small and medium-sized enterprises in JHZB branch.With the help of Delphi method and credit risk assessment model,we discuss the credit risk of all levels in JHZB branch.On this basis,the paper proposes to establish a credit management mode in line with the credit characteristics of small and medium-sized enterprises;The whole process of SME credit management should be strengthened,including improving pre-loan investigation,in-depth auditing in loans and strengthening loan control.We should also use the incentive mechanism of credit personnel,new technology of the credit management and innovative guarantee methods to ensure the credit risk management of small and medium-sized enterprises.The main risk problem of commercial banks is the credit risk.To prevent credit risk is the key to ensure the safety and sound development of their assets.Through the specific case of credit risk management of small and medium-sized enterprises in JHZB branch,this paper has an insight into the common risk problems existing in the credit business of small and medium-sized enterprises of commercial banks,and puts forward corresponding countermeasures,which provides experience for JHZB branch and similar commercial banks to strengthen credit risk management of small and medium-sized enterprises.