Study On The Small And Micro Enterprises Credit Risk Management Of Commercial Bank

Small and micro enterprise is an important foundation of China’s national economic and social development. Because the scale and growth of the small and micro enterprise is so weak, and it has its own funds mainly used for their own business, lack of value of effective collateral which the traditional bank liked, and often faced with difficult to get effective financing from traditional channels of banks, resulting in small and micro enterprise basic financial needs are difficult to meet, business development scale and operating conditions are severely restricted.Now, small and micro enterprise through the bank financing channels to obtain funds is very urgent. In the case of the small and micro financial system is not mature, the commercial banks loan to small and micro enterprises hinder by credit risk small and micro businesses. Scientific and effective credit risk management of commercial banks to establish small and micro financial system to ensure the competitiveness of the industry is imperative.In this paper, the commercial bank’s risk management theory as an analytical framework, combined with the domestic banks’ traditional credit risk management experience, according to the ‘three laws and a guide ’of the survey requirements, the risk rating of the advantages and disadvantages, the performance of credit risk management, commercial banks small and micro credit risk management status analysis. The commercial banks of small and micro enterprises credit risk management still exists the problem.This paper believes that the three aspects of the external economic environment, small and micro enterprises themselves and commercial banks to small and micro enterprises financial support for the uncertainty of commercial banks led to the existence of credit risk management of commercial banks. Put forward the small and micro credit risk management of commercial banks should pay attention to "multi latitude survey before loan", "separation of loan" and "dynamic management after loan". At the same time, this paper takes the PA bank as a case to sum up the experience of small micro enterprise risk management, and analyzes a case of the credit risk management of the business of PA bank. The focus of the business credit program through pre- risk pre- planning project access to the late volume of credit in the pre- credit investigation model is the innovation of credit risk management initiatives.In summary, the combination of the domestic commercial banks to small and micro enterprise credit risk management of the status. Countermeasures for the management of small and micro enterprises credit risk in commercial banks. And analyze a case of the credit risk management of the business of PA bank. Provide suggestions for the credit risk management of commercial banks.