Study On The Credit Risk Of Commercial Banks’Small Micro Entrprise Customers

Today, the number of small and micro enterprises is huge, involving all kind of industries, the small and micro enterprises are important engine and power of national economic development, it is the inescapable social responsibility for commercial banks to strengthen financial support for small and micro enterprises. It has a very important significance for commercial banks to strengthen the analysis and study of the financial support for small and micro enterprises. Under the pressure of external competition and internal profit-driven, commercial banks have increased their investment in small micro-finance, and have seen it as an opportunity of business transformation. However, the credit risk of small and micro enterprises hinders attempts of the commercial banks. Therefore, scientific and efficient management of the credit risk of small and micro enterprises will become the inevitable choice of China’s commercial banks to expand small micro-finance business. Weifang City bank innovates the concept of service industry development, firstly sets up a micro-loan association, and vigorously develops the service of small and micro enterprises. Especially, BANK OF WEIFANG has created a "micro loans" mode, formed a development philosophy that is "hand in the small and micro enterprises and build a harmonious finance" to ease the financing plight of small and medium-sized service enterprises.The article is divided into five parts:The first part mainly introduces the background, significance, related domestic and overseas theoretical research, a brief introduction of the paper structure, content, research methods and innovation; The second part is theoretical study and mainly defines the concept of credit risk, types and states systematically financial innovation theory, risk management theory, credit risk metric theory and credit risk management theory; The third part is the establishment of the evaluation system, analysis and selection of indicators from the macro, meso and micro levels, and establish hierarchical comprehensive evaluation model, in order to build a credit risk evaluation system of commercial banks to small and micro enterprises; The fourth part The fourth part is the empirical part, and is mainly based on the situation of BANK OF WEIFANG different customers, use flexible index system, application and validation of the third part of building evaluation system; The fifth part is a combination of the actual situation of BANK OF WEIFANG, to propose structure for the credit risk of commercial banks to small and micro enterprises preventive measures and to resolve the credit risk.