Research On Small And Micro Enterprises’ Credit Risk Management Of L Bank

Innovation in science and technology as the core of the comprehensive innovation has become the main driving force of China’s economic development. Small and micro enterprises has become the main subject of innovation with the pace of reform and the most dynamic and development potential of the enterprise groups in Economic development process and was Embodied the social science and technology innovation ability and enterprise development of the rising momentum. However, the development of small and micro enterprises generally lack of funding bottlenecks. Due to the small and micro enterprises operating instability and non-transparent financial information and so on leading to small and micro enterprises in the bank credit funds face greater credit risk. Commercial banks induce the credit to Small and micro businesses in order to reduce the risk of credit risk. Therefore, the key to develop credit business is to improve the bank’s credit risk management level.In this paper, it analyzed the features of small and micro enterprises credit risk including funds short, frequent, urgent, small scale and weak anti risk ability. Used information asymmetry, loan commitments, credit rationing and the transaction cost theory, analyzes the bank credit funds for various credit risks. Taking L bank as an example, it analyzes the current situation of small and micro enterprises’ credit business model and risk management. From the point of the loan before, after the loan and institutional construction, L bank credit risk management in small and micro enterprises exist some problems including that it has not yet established a special credit for small and micro enterprises credit approval mode and lack of professional small and micro enterprises credit risk measurement system and risk early warning mechanism after the loan and the entire credit management service system is not perfect. The asymmetry in banks and enterprises and lack of a unified risk management system and unreasonable Credit personnel assessment mechanism and lack of financial product innovation capability are the mail reason of these problems. From the actual problems of L bank, L bank designs the appropriate credit risk management system for small and micro enterprises before loan, loan and after credit. In order to better guarantee the implementation of the credit risk management system of small and micro enterprises. From the development of new credit business innovation model, the establishment of a sound talent team, to provide quality products and services, and other aspects of the proposal, to improve the L bank credit risk management system, so as to achieve the purpose of controlling the risk.