A Case Analysis On The Small Microenterprise Credit Risk Management Of Everbright Bank A Branch

Small microenterprise is the important component of national economy in China,and the most active cell in the market economy, it accounts for more than95%of thetotal number of enterprises in China, and widely distributed in the all walks of life andvarious areas, small microenterprise plays an irreplaceable role in increasingemployment, promoting economic growth, science and technology innovation andsocial harmony and stability, etc, and has important strategic significance in thenational economy and social development. However, the financing problem of smallmicroenterprises has been difficult to solve by a long time. Driven by competitivepressures outside and profit force inside, commercial banks have begun to expandmicrofinance business and regard it as a chance of business transformation. However,the credit risk problem of small microenterprise has hindered the attempt ofcommercial banks, leading to commercial banks have a big problem in developingsmall microenterprise credit business. Therefore, for small microenterprise credit riskcarries on the scientific and effective management has become our commercial banks’inevitable choice.The study ways of this paper are with the combination of theory and practice.First introduced the overview of small microenterprise credit risk management,including the concept of small microenterprise credit, credit risk, smallmicroenterprise credit risk classification and origin, small microenterprise riskcharacteristics, etc. And then through the China Everbright Bank A branch credit riskcase of small microenterprise, including the introduction of the China EverbrightBank A branch, the structure condition of assets, the distribution characteristics ofsmall microenterprise and the relevant risk management measures of smallmicroenterprise credit, etc. On this basis, analysis of the small microenterprise creditrisk management problems and reasons of the China Everbright Bank A branch, sumup the basic factors which restricts the risk management of small microenterprisecredit, and then put forward the small microenterprise credit risk management toestablish scientific index system; Improve the credit management system, optimizethe small microenterprise credit business process; pay attention to personnel training, implement incentive constraints; strengthen the feasibility of enlightenment andsuggestions, such as lending compliance survey, in order to deal with the problem ofrisk management of small microenterprise credit. Bank as the main capital provideralso gives strong support to the development of small microenterprise credit. In aword, as long as adhere to prudent management, scientific development, risk control,in accordance with the provisions, lending, tube of approving loans and calling in aloan, we will take the small micro enterprise credit risk to a minimum, so as to getmore goals.