Research on Credit Management of City Commercial Banks for Small and Middle Size Enterprises
|Keywords||City commercial banks SMEs Credit Management|
Since the accession to the World Trade Organization in 2001, China has entered the post-WTO era, Mixed become the mainstream of the development of China's financial trends. In this context, the problems of urban commercial banks will have to face the great challenges of international competition, facing an unprecedented development opportunity. SMEs has become an important pillar of China's national economy continued to grow steadily, and has long been the problem of financing difficulties, the credit business market bears great potential. City commercial banks have localized, with the location of customers, closely familiar with customer credit and operating conditions, and flexible decision-making mechanism and so better able to establish long-term relationships with SME customers to eliminate the problem of information asymmetry, and thus in the SME credit business the expansion of the market has a comparative advantage. Capital constraints, efforts to achieve the SME credit market to expand and enhance profitability, improve and solve many problems in the city commercial banks will be very beneficial, but also to change the financing difficulties of SMEs status key. Therefore, the use of investment banking tool for the implementation of product and service innovation from the start, from the technical level to study the implementation and management of the city commercial banks in SME credit, and has great practical significance. In this paper, the present, China's accession to the WTO approaching financial mixed reality from the reality of China's city commercial banks and SMEs and SME customers in line with the characteristics of China's city commercial banks credit management operational countermeasures and necessary safeguard system framework. This article discusses the structure is as follows: first proposed the research background of the article, in view of the special SME credit management related to corporate finance theory and commercial bank credit risk management theory are reviewed, and lay the theoretical to the full text of the study and discusses foundation. And state research article ideas, discourse structure and main contributions and future research directions. Secondly, the market potential of China's SME credit business, asked the city commercial banks should be targeted at the SME market, build their own core competitiveness. After of the main problems in the city commercial banks in the current credit management. Third, SME credit management of city commercial banks to implement the specific business operation. The use of city commercial banks investment banking tools to implement product and service innovation, mining and marketing of SME customers, the establishment and implementation of the credit evaluation system, the pricing model of credit business building, the credit business risk control, as well as the disposal of non-performing credit aspects of the in-depth analysis and concrete operational thinking. Fourth, the proposed city commercial banks effective implementation of SME credit management should have safeguards. Innovative mechanisms necessary organization to adjust focus city commercial banks should establish an effective credit management incentive and restraint mechanisms, the establishment of financial products and services, as well as the construction of small and medium enterprises customer relationship management systems and credit risk management information systems and other content. and discussion. Finally, the conclusion of this article.