A銀行中小企業(yè)授信業(yè)務(wù)風(fēng)險管理研究.pdf

1、China had a large number of small and medium-sized enterprises (SMEs), and they occupieda pivotal position in the country's economic development, and particularly played an importantrole in promoting technical progress,

2、improving the economic environment, creating jobopportunities and increasing national income.In recent years, the SMEs faced a fund shortageproblem.Meanwhile, difficult financing problem for SMEs had became an important

3、bottleneckrestricting its development.
　　At the same time, along with the further narrow profit between depositing and lending, thefierce competition among commercial bank, the increasing financing channels for enterp

4、rises andfinancial disintermediation in the market, these factors leaded commercial banks to faceunprecedented challenges in the market.In this economic situation, commercial banks mustchange the "credit crunch" attitude

5、 towards SMEs credit business, and then find, cultivate anddevelop SMEs with good credit standing.It's clear that the research into risk management forSMEs credit business is positive.
　　This article was divided into

6、five chapters.Firstly, it described the background, thesignificance, the content and the research methods for this article, and then mentioned the currentfinancing situation for SMEs in China, as well as the risk managem

7、ent theory of commercial bankcredit business, and make use of matrix analysis to analyse the game playing between privateenterprises and commercial banks.Furthermore, it introduced the risk assessment system of BankA cre

8、dit business, analyzed the X-packaging company case, and then found many problems in therisk management for Bank A SMEs credit business, such as the lack of after credit managementmechanism, the backward credit risk revi

9、ew assessment methods and etc.Moreover, it put forwardthe strategy optimizing credit Risk Management for Bank A SMEs credit business in order toimprove Bank A risk management level.Finally, it summarized the conclusions