Risk Management Of Micro-enterprise Loans Contractor Banks

Developing micro-enterprises is an effective way to expand employment, improve people’s livelihood, stimulate private activity and promote social harmony and stability. Since2008, the CBRC had promulgated a series of incentive polices to encourage commercial banks to offer credit support for small enterprises. All these provide good conditions to solve the problems. At the same time, how to constantly adapt to the changing internal and external environment, improve the credit risk management and enhance control capabilities is also an important issue for micro-enterprises.This paper is about the research on risk management of micro-enterprises. I pack up the international and domestic research on the theory and practice experience, combined with the practical experience about small enterprises credit of Baoshang bank, analyze concretely the corresponding means of risk control. I hope I am able to provide new ideas and methods for the rapid development of micro-enterprises on the theory and practice.