The Research on Credit Risk Prevention of SME of Bank of China Tieling Branch
|Keywords||SME Credit risk Prevention|
The development and growth of SME is currently in a period of economic restructuring, the focus of most concern, but also the ability to complete a significant adjustment of the economic structure, the successful transformation of one of the important factors. The importance of the line of credit risk for the Bank of scientific and healthy development of the financial market stability. Affected by the financial crisis and the bankruptcy of small business owners fled the message to the community caused uncertainty, but also to the market economy has had an impact and influence. However, funding and financing is the lifeline of the development of SME, the lack of funds led to funding strand breaks, corporate life is at stake. How, then, these two, seemingly contradictory combination of how to effectively prevent and resolve the credit risk of SME has become an important issue.In this paper, a series of research, quantitative analysis, and learn from the advanced experience of foreign countries, summed up the author’s point of view, this paper, innovation is a "big risk" management theory, that is, full of risk awareness. Described in the first chapter information asymmetry theory. Market risk, operational risk and so can make credit poses a risk, but the bank will not give up because there are risks, benefits, and give up lending. Risk is an objective reality, only to take effective control method in order to minimize risk. Chapter Ⅱ specific credit operations and risk status of Tieing Branch of Bank of China were analyzed and laid the foundation for further found that the presence of risk prevention. The paper questions is in the third chapter, Tieing Branch of Bank of China SME credit risk to prevent the current situation and problems. Chapter for risk prevention, be sure to from a multi-angle cut to be addressed in a comprehensive management approach. Should start with a "big risk" management philosophy, thinking and understanding up to full height to prevent risks from decision to execution, layers of concern; strengthen the whole process of credit risk management, pre-lending, loan, loan strengthen internal control and risk management in all aspects of multi-point monitoring and seamless connection; addition to improve and perfect the organizational structure and business processes of the SME credit should also be fully learn the advanced experience of the commercial banks in Germany, Korea, to carry out the system enhance risk control and management improvement and innovation, the level of control.Stage summarize and organize this article were made on credit conditions for SME, and strive to find a suitable for the development of a viable in small city banks of the road, provide reference and basis for Hometown Bank’s reasonable to resolve the credit risk of SME.