Research On The Internal Control Of Credit Risk In Small Banks

As China’s socialist market economic system reform, small enterprises in the national economy on the rise, small businesses in the national economy exhibited promote economic growth and stimulate competition in the market to absorb the labor force to solve the employment problems of urbanization process carry out the role of the more obvious technological innovation, and vigorously support the development of small businesses to national economies and the world economy has important significance. Statistics show that the total amount of GDP regardless of the number of enterprises, providing jobs or creation of SMEs are much large enterprises, plays a very important role in our national economy,SMEs However, although China’s economic development has made outstanding contributions, However, SME financing, financing your problem has not been effectively resolved even become a key issue impede SME development and growth.H Bank as an important regional financial institutions, has been to "do your side of the bank" as its mission to support economic development in the region as the goal, so in recent years, H Bank invested substantial resources development of small business credit business. After years of continuous development H bank small business credit business reserves, regional influence, scale of business has been rapid development. With the development of the business of credit risk exposure levels are rising, 2014 H Bank NPL ratio of 0, 2014, after rising NPL ratio rose to 2.64% as of the end of 2015 almost equal to3% of the rigid defense. Faced with increasing competition in the market and how to find credit asset management pressure between the small enterprise credit business development and risk management of commercial bank credit balance as a constraint to the development of small business enterprises important proposition.This paper aims to expound the theory and case studies combination with H bank small business credit business, for example, on the basis of commercial bank small business credit risk and internal control theory elaborated on in-depth analysis of H bank small business credit risk characteristics and internal control situation, pointed out that its presence in the credit risk internal controls of small business issues, and then put forward some improvement suggestions and measures to H on banking and related financial institutions of similar small business credit business development play a helpful role.