The Analysis On Small Micro-Enterprises Credit Model Of Innovation And Risk Management For The F Bank

The analysis small micro-enterprises credit innovation and effective management of risk is beneficial for the F bank. Small micro-enterprises credit innovation has a great significance for China’s rapid economic development in the current stage. Chinese government pay more attention to the support of small micro-enterprises, the reason is that small micro-enterprises are very important for the national economy. Small micro-enterprises plays an important role to increase government revenue and promote scientific and technological innovation, especially to increase employment opportunities. China’s small and micro enterprises account for over90%of all enterprises, accounting for85%of employment, contribution to GDP reached60percent. The development of small micro-enterprises has a profound practical significance for the development of the national economy. However, it is still exist the problems that small micro-enterprises financing shortage. To hinder the development of small micro-enterprises development problems include the huge financing gap, the narrow channels of credit and the cost too much of indirect financing. As a local commercial banks, increase credit support of small micro-enterprises not only can seize the market opportunities but also enhance their core competitiveness. These measures are beneficial for improve the local employment environment, promote local economic development, improve the bank’s overall image, spread the risk, improve returns on capital. Therefore, according to the study on credit model of innovation and risk management have practical significance to the local economy.At commercial bank point, this study is based on small micro-enterprise credit development status, basic concepts, process, research abroad, the purpose of the study is search the suitable credit model of innovation and the suggestion of risk management for the F bank. This research also emphasized practical feasibility of local characteristics of Yunnan Province, and put forward opinions for small micro-enterprises credit model of innovation.I hope this study can enhance the F bank brand of small micro-enterprise credit, and promote small micro-enterprise sound development.