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Research on Credit Risk Management of SME Lending of China’s Commercial Banks

Author: GongZuo
Tutor: GaoZhengPing
School: Tianjin University of Finance and Economics
Course: Finance
Keywords: Commercial bank SME loans Credit Risk Management Scorecard model
CLC: F832.4
Type: Master's thesis
Year: 2010
Downloads: 758
Quote: 2
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Abstract


SMEs as an important foundation for steady and rapid economic development, China's economic growth, expanding employment, technological innovation, economic structure adjustment to promote the increasingly prominent role, while at the same time, the financing problems of SMEs already is a long-term international sexual problems. Commercial banks as the main body of China's financial system, external competitive pressures Forced and internal power-driven profit driven, but also have begun to test the water SME financial services. However, commercial banks \In this context, how the credit risk of loans to SMEs scientific, rational and effective management has become the inevitable choice of China's commercial banks SME finance business development. Loans to SMEs credit risk management, risk management theory and the New Basel Capital Accord provides the foundation and framework. Under his guidance, combined with traditional loan management experience, China's commercial banks to determine the loan before the survey \While commercial banks to establish the basic pattern of SME lending credit risk management is necessary, also achieved some success, however, the existing problems and deficiencies should pay attention to, such as risk management organizational structure is not reasonable, the internal credit rating system pertinence loan risk pricing mechanism unscientific, risk warning and information feedback mechanism is imperfect. Objective analysis, the article that commercial banks in loans to SMEs in the credit risk management problems and deficiencies caused by the macroeconomic environment, small and medium-sized enterprises and commercial banks. Finally, the combination of theoretical and practical analysis, five countermeasures proposed risk management of China's commercial banks loans to SMEs: to improve the bank's internal management system, build internal credit rating system specifically for SME loans, loans to SMEs to establish a scientific risk pricing mechanism design and improve the SME credit risk early warning mechanism, strengthen cooperation with external institutions. Given for each of the countermeasures for the practical reference specific measures, such as paper argues that China's current credit situation, in view of the commercial banks is difficult to establish accurate credit risk measurement model, the text explicitly proposes a rate loans to SMEs card model, and cited specific cases to be analyzed.

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CLC: > Economic > Fiscal, monetary > Finance, banking > China's financial,banking > Credit
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