Research On Credit Risk Control Of Small Micro - Enterprise In

Small-micro business occupies special important position in our national economy, playing an irreplaceable role to increase employment, activate market, improve people’s livelihood, and promote economic transformation. Currently, there are about 30,000,000individual businesses,1,500,000 registered business enterprises across the country. Small-micro business which accounts for 99% of business enterprise number, contributes 50% revenue,60% GDP,70% innovation, and 80% employment to national economy. The development of credit business for small-micro business is of great significance to commercial banks, such as cultivating new customers in the first time, performing social duties, optimizing bank structures, diversifying customers, spreading risks, boosting cross-selling, promoting the development of private banks, wealth management, intermediary business, and increasing comprehensive profits. China Construction Bank Y Branch, a subordinate bank of China Construction Bank in coastal area, has made vigorously progress in its business and service in recent years, and its credit balance of small-micro business doubles in the past three years. But business development should not be accessed at the expense of scarifying credit asset security.First of all, this paper analyzes the financing situation of small and micro enterprises and the credit management of GF Bank. This paper expounds the present situation of the financing of small and micro enterprises, and analyzes the effect and the existing problems of the general method of credit management for small and micro enterprises in GF Bank. Secondly, the analysis of the micro credit risk control system of small and micro enterprises in Guangdong Development bank. From the basic situation of GF Bank of GF Bank and its risk control system, the bank for small and micro enterprises, the credit risk control system and its running status and the existing main problems and causes analysis. Again, small and micro enterprises of the GF Bank credit risk control system and operation status and existing main problems and causes of analysis, put forward improved the bank loans to small and micro business optimization ideas, and in front of the management ideas, marketing loan, the loan investigation, loan review, loan approval, post loan management proposed optimization strategy, combining the theory with the case, make the countermeasure has a guiding role.