The Research On Small-micro Businesses Credit Process Risk Of Lu’ An City Branch Of CCB

Small and micro businesses connecting economic prosperity and social stability plays irreplaceable role in increasing residents’income, meeting market demanding, promoting the entrepreneurial spirit, promoting technological progress and promoting the development of country economy. Executive meeting of the State Council on February1,2012identify policy measures that further support the healthy development of small and micro businesses, especially the report of the work of the government in2012,Premier Wen Jiabao has seven mentioned small and micro businesses, which reveals our government pay attention to small and micro businesses. However, difficulties in financing still is important bottleneck restricting its development. After the global financial crisis in2008,the development of our small and micro businesses meets huge challenge and face more severe financing situation coupled with the impact of the European debt crisis. Caused this predicament is partly due to the small and micro businesses lack of profit growth point, existing operational risks and guarantee difficult. On the other hand,in consideration of the risk-averse, most banks are not the target too much on the small and micro businesses, so we lack effective measures that manage the risk of the credit process. Currently,banks gradually turned to small and micro businesses as serve customers and put the development of small and micro businesses credit on more important location with the apparent importance of small and micro businesses and direct competition intensifying of financial institutions. In this paper, I take the China construction bank branch in Lu’an city for example, studying the problem of small and micro businesses credit process risk management, which has great significance for the China construction bank branch in Lu’an city even other banks that develop small and micro businesses credit business.This paper is divided into five parts. Chapter one is the introduction of the full text. This part puts forward the importance and necessity of small and micro businesses credit process risk of the China construction bank branch in Lu’an city.Then it introduces the research significance of the article and research content and methods.At the same time,this part analyzes domestic and international current research and comments the result of research from the literature review of credit process management and the process of small-micro businesses credit risk management. Chapter two is overview of the theory. This part analyzes the reason of the financing difficulties of small-micro businesses, commercial bank credit business operation process and the performance and feature of credit process risk and so on based on definition of the basic concepts of a small-micro businesses and credit process risk. meanwhile, it will introduce four theoretical this paper is based on. Chapter three analyzes the reason of causing small-micro businesses credit process risk of the China construction bank branch, by analyzing the customers of small-micro businesses of the China construction bank branch in Lu’an city and the status and problems of the customer credit process risk management. Chapter four analyzes the countermeasure of small-micro businesses credit process risk of the China construction bank branch in Lu’an city; In the last part, the author outlines research and proposes the policy suggestion. Then the orientation of future study is prospected.