文档介绍：:YUShanpingSchool:SoutheastUniversityABSTRACTSincethereformingoftheeconomicsystem,thestatusandroleofthesmallandmedium-sizedenterprisesinthenationaleconomyandsocialdevelopmentisbeingincreased,andthesmallandmedium-,thesmallandmedium-mercialbanks,,eanewprofitgrowthpoint。However,asaresultofinformationasymmetry,poorrisk—resistingability,highdefaultratesandotherfactors,thesmallandmedium-sizedenterprisescreditriskisbeingexposedandnon—,inthedevelopmentofthesmallandmedium-sizedenterprisescreditbusiness,atthesametime,mercialbankstodeeplystudythesmallandmedium-,theauthorsetsoutfromthesignificanceofnationaleconomicdevelopmentandbanks’developmenttothesmallandmedium-sizedenterprises,appliesinformationasymmetrytheory,creditratiomngtheoryandtransactioncosttheorytoanalysetheessenceofthesmallandmedium—bineswitlltheauthorworkingmanyyearsatthesmallandmedium—mercialbanks,inquiresintosomeexistingproblemsandsolutionstrategiesinthesmallandmedium—·mercialbanksareinformationasymmetry,theunsoundnessofthesmallandmedium—sizedenterprisesguaranteesystem,lackofproductinnovationandtheshortageofprofessionalknowledgeinthecreditstaff;Secondly,throughanactualcasestudy,;Finally,inordertoreinforcecreditriskmanagementofthesmallandmedium—sizedenterprises,,,thecreditprocessmanagementmustbedeepened,thecreditproductsshouldbeinnovatedupon,andahealthycultureoftheriskmanagementshouldbeadv