Research For Post-financial Crisis Small And Micro Businesses Of Commercial Bank Loan Risk Management

During the post-financial crisis period, the world economy is still not completely get rid of the shadow of the financial crisis. All the signs of economic recovery is very fragile and unstable. The impact of the crisis has gradually penetrated into the real economy, and getting worse. During this period, uncertainties affect the smooth development of the domestic economy is increasing. small and micro businesses in china is facing unprecedented difficulties. Such as the rising costs of raw materials, labor costs, financing costs and other factors superimposed influence, survival situation of small and micro businesses is worrisome. Developed private economy in china’s eastern coastal areas, once the phenomenon of small and micro businesses funds strand breaks to be closed. Increase financial support for efforts to help small and micro businesses overcome the financial difficulties has become important work.This article takes the post-financial crisis period as the background. From small and micro businesses characteristic proceed with, analysis the real reason of the small and micro businesses loans, loan risk management difficult during the financial crisis. Based on small and micro businesses loans theory and risk management theory, take A bank for sample,pointed out there are some problems on the small micro-enterprise loans and risk management.From the period after the financial crisis.A bank management strategy transformation of the reality of the needs during the financial crisis period,the test attempts to take access standards and credit rating as a breakthrough.From reconstruction of new standards for access and improve small and microbusinesses credit rating index to improve commercial bank small and micro businesses risk management ability.It will ease the financing difficulties of small and micro enterprises, banks and enterprises will be in a win-win new situation.