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Credit Risk Management of Small and Medium-Sized Enterprises in Rural Commercial Banks

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DOI: 10.38007/Proceedings.0001098


Zhirong Shen, Bailing Yin

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Zhirong Shen


Due to its own system problems and poor management, the frequency of rural commercial bank credit business risks is increasing year by year. Compared with other commercial Banks, the non-performing loan ratio has been at the highest level, which is related to the problems of credit risk management of rural commercial Banks. In particular, the credit risk caused by the non-standard credit business of SME has become a major problem for rural commercial banks recently. Based on the information asymmetry, comprehensive risk management theory, this paper will uses the actual research methods and takes H rural commercial bank as an example that focuses on the problems of small and medium-sized enterprise credit risk management. Continually, this paper will proposes countermeasure for risk management, which would promote rural commercial bank of small and medium-sized enterprise credit risk management level of ascension.


Credit Risk; Rural Commercial Bank; Credit Risk Management; Small and Medium-Sized Enterprise(SME)