Research On Credit Risk Management Of Small And Micro Enterprises In ZBNH Bank

The economic potential of small and micro enterprises with a strong attitude quickly became one of the domestic economic development and the source of vitality for, the number now occupy domestic enterprises full ratio exceeded 95%, small and micro enterprises, including a new force in all walks of life and different regions, in order to optimize the employment pattern, improve the economic take-off, ensure technology innovation and harmonious social relations and so inspired countless potential and the formation of positive energy, so small and micro enterprises in the rapid development of sustainable economic and social more stability is extremely important strategic value. However, compared with the positive role of small and micro enterprises, the development dilemma of their existence, such as the inability to achieve multi-channel, multi strategic financing has become a long-term problem of restricting its development. Domestic commercial banks under the double impact of outside of intense competition and internal earnings limit, have increased in small micro enterprise as the service object of financial support launch, in an attempt to break through the limitations of current business and complete the transition. But the primary hindrance to this goal is the small micro enterprise credit caused by too many uncertain risk, commercial banks in assessing the risk of this kind of strength loss makes commercial banks bin to seize the small micro enterprise credit transformation of the key business and achieve great development. In view of the reality, ZBNH bank as a representative of the banks and other financial organizations, be sure to enhance the small micro enterprise credit risk management to provide the financing needs of the market and different, science and sustainability, only for small business customers, can activation of financial resources, promote business growth, innovation and service coverage.This paper to the literature analysis method as the main points of the theories of research methods, with the fuzzy comprehensive evaluation method as ZBNH bank empirical research methods, is following ideas to complete this study: firstly explains the theoretical key points, with a brief introduction of small and micro enterprises, credit risk, the concept of risk management definition, small micro enterprise credit risk category, characteristic of brief description. Then subsequently commissioned agent theory, information asymmetry theory, enterprise life cycle theory silver industry management of small micro enterprise credit risk must be the theory conditions and risk evaluation of the method to impose on; followed by setting ZBNH bank engaged in the study of sample for this, through the loan before the loan, the loan after phase analysis of master the small micro enterprise credit risk management Jingzhuang. The three stage will also emphasize credit to analyze the existing problems and reasons; then the ZBNH bank small and micro businesses credit risk in compliance with the systematic, scientific, operation based on the principles of selection of quantitative and qualitative indicators to evaluate all kinds of hidden risks, and the evaluation system for example on the release at the end of the study; in front of the loan before the loan, and the loan retained the proposed targeted risk management recommendations, namely, to ensure the smooth implementation of the evaluation system, put forward Small and micro businesses of credit risk management recommendations, namely to the level of work to implement the perfect pre loan the credit rating system, analysis of dynamic management, effectively management and monitoring the loan after strengthening loan. At last, the conclusion is summarized and the development trend of the future research is also looking forward to the future research.