Research on the Credit Management of Commercial Banks of Lianyungang City for the SMEs

摘要

At present, the credit management mode of commercial bank in lianyungang for the SMEs is still in the exploring, although the various credit policy for the small and medium-sized enterprises has been come out, the risk management plan and operation method that really suit for credit demand for the SMEs is still not mature and it caused that the bad debts and dead loan were overstoched in lianyungang commercial bank, thus it seriously impact on the capital operation of commercial banks, and then it has caused some adverse impact to the development of local economy. Therefore, it is necessary for commercial banks in lianyungang city to supervise and manage the whole process of credit of the small and medium-sized enterprises.