A Small Micro Enterprise Credit Of Commercial Bank Risk Research

Small micro enterprises are small, miniature enterprise, cottage industry enterprise, individual industrial and commercial households. According to the 12th China international sme expo press conference disclosed that at present our country small micro enterprises has reached 6666, small businesses in the state of the number has more than 90%. For small micro enterprise in our country provides a great contribution to national economic development and employment. On the one hand, the small micro enterprise provides a large number of employment opportunities for the society. According to statistics, China’s employment in more than 750 million, but the small micro enterprises have provided jobs for 150 million people in China., on the other hand, according to statistics, China’s small and medium enterprises for the value of social production accounts for 60% of national GDP, the payment of taxes in the nation’s total income accounted for 50%, and 65% of invention patent. To say the small micro enterprise plays an important role in promoting the national economy, and provides a large number of employment opportunities for the society. Small micro enterprises provide credit support, is the commercial Banks to support the real economy, the social responsibility to promote the development of national economy important one annulus. As a result, small micro enterprise credit management in commercial bank credit management in a great position.Although small micro enterprises for development of national economy, and provides a significant contribution to the social employment. But small micro enterprise financial and management ability weak, the technical level is not high in its own disadvantages, such as insufficient funds in the overall global economic downturn, China’s economic structure adjustment of the overall economic situation, the ability to resist risk weak. A large number of small micro enterprise loan form within the time limit, non-performing loans. Therefore, how to manage the small micro enterprise credit, improve small micro enterprise credit management ability become commercial Banks must solve the problem.The full text is divided into six parts.The first part:introduction. This part for the purpose of this paper the research background, research briefly described, in combination with related literature review at home and abroad, puts forward the main research contents and research methods in this paper.The second part:small micro enterprise credit risk management theory. This section points and small micro enterprise credit risk two latitudes to introduce. Among them through the type of small micro enterprise basis, characteristics, on the main concept of credit risk management, introduces the theory, for the following analysis of small micro enterprise credit management to make matting.The third part:the current situation of the development of A small micro enterprise credit business of commercial bank. By A commercial bank, and the introduction of the small micro enterprise credit business, from the industry, the guarantee way, varieties of the small micro credit business for information such as detailed introduction, to below A small micro enterprise credit risk management of commercial Banks to problems.The fourth part:A small micro enterprise credit business of commercial bank problems. This part focus on the information obtained is not sufficient for A bank risk, moral hazard, the background of the problem of inefficient, introduces A small commercial Banks credit business problems.The fifth part:A small commercial Banks credit business risk of reasons. After before for loans, loans, credit and asset disposal, to study the reasons of the risk.The sixth part:according to the fifth part puts forward the problems existing in the small micro credit business risk control, find out the method to solve the problem, and make the corresponding countermeasures and Suggestions, in order to improve the quality of A commercial bank in credit assets and its safety.The seventh part is the summary of the whole article.Small micro enterprises play a decisive role to the development of national economy, the state shall encourage and support the development of small enterprises. To provide credit support for small enterprises, commercial Banks can not only fulfill its support for the real economy, social only small micro enterprise development, at the same time also can get higher profits. But small micro enterprise existence to its inherent characteristics:poor qualifications, technology is generally not high, working capital is not abundant, low anti-risk ability, especially in the current global economic downturn, under the situation of domestic economic structure adjustment, small micro enterprise by increasing internal and external challenges. How to improve the ability of small micro enterprise credit risk control become a commercial bank must master the skills. In this paper, combined with the characteristics of small enterprises in China, with A commercial bank credit risk management system, structure and means as research direction, is aimed at looking for more efficient and more suitable for A small micro enterprise risk control of commercial Banks.