The rapid development of credit default swap (CDS) market has changed the manner of credit risk management of banks to some extent and has had a new influence on the bank-enterprise credit model. In this study. the credit financing process of credit risk in small- and medium-sized enterprises (SMEs) gathers within a bank. which makes it difficult for SMEs to raise funds. https://balboasurfandsstylers.shop/product-category/womens-tees/