The Evaluation Of Small Micro Enterprise Credit Risk Of S Bank

This paper explains the financing situation of small and micro enterprises, and points out the reasons of the financing difficulties of small and micro enterprises and the support of banking institutions to small and micro enterprises. The S Bank Mou Branch Small and micro businesses loans business status. The branch has formed a differentiated financing product portfolio strategy, and the implementation of a unified internal marketing of customer managers. From product innovation to meet enterprises of diversified financing needs, channel design cannot meet the actual need, internal marketing cannot motivate the enthusiasm of the customer manager and faces many risks management four aspects analyzes the Mou Branch of S Bank support small micro enterprise financing is facing problems. It is pointed out that the Mou Branch of S Bank support small micro enterprise financing problems, such as small micro enterprise itself, lack of credit factory pattern of excessive imitation, credit inquiries difficulties, UNPROFOR loans inexperience and the risk early warning lack. Then the situation of small and micro enterprises financing business in the domestic commercial banks is analyzed. And then put forward the Mou Branch of S Bank support small and micro enterprise financing business development proposals, mainly:to increase product innovation and development to meet the need of financing products; using scientific pricing model, the implementation of differential pricing and marketing strategy; network financing development platform, the establishment of electronic services channels; small micro enterprise loan business risk management improvement. Finally, puts forward some measures to ensure the implementation of the S Bank Mou Branch Small and micro businesses financing business. The internal safeguard measures should establish the organization system of relationship lending and establish a sound system of training and encouragement. The external safeguard measures should be perfect in small and micro enterprise financial law system, establish small and micro enterprise credit information system and build a multi-level credit guarantee system. The innovation of this paper lies in the analysis of the change of perspective, from the perspective of the past, from the point of view of the financial institutions to carry out the unique perspective of the financing business, and gives a small and micro enterprise financing development proposals and the need to focus on solving the problem.