The Research On Prevention Of Small And Micro Businesses Credit Risk Of Harbin Bank

The small and micro businesses are the important basis for national economicdevelopment， which promoted China’s economic growth and technologicalinnovation Effectively. At the same time, they provide numerous job opportunitiesfor Chinese employees. However the financing problems for the small and microbusinesses are long-term difficult to solve in China.The Harbin bank Positions in the strategic objectives of the positivedevelopment of micro-credit because of the pressure from external competition andinternal profit. The aim for Harbin bank is to be the well-known internationaldomestic first-class micro finance bank by supporting for small and mediumenterprises in Heilongjiang Province, servicing North-east and spreading to thewhole country. However the credit risks of the small and micro businesses affect therapid development of the small and micro credit business in Harbin bank in a certaindegree. Therefore, the scientifical and efficient management for the credit risks of thesmall and micro businesses is an inevitable choice for developing the small andmicro finance businesses.In the following papers, the research and theory of credit risk management ofdomestic and foreign small and micro businesses will be shown to introduce theconcepts of small and micro businesses, the position and effect in the nationaleconomy, the characteristics of small and micro businesses credit, the dynamicmanagement mode of the credit risk on investigation, approval and management.According to the condition of the small and micro businesses credit in Harbin bank,the risk of the small and micro businesses credit at the moment will be shown in thepapers. By analyzing of small and micro businesses credit risk in-depth, there arethree main aspects, the problems of companies, the Imperfect external environmentand the related system, and the problems of Harbin bank. Analyzing the types of thesmall and micro businesses credit to make the risk assessment for the small andmicro businesses credit on the three-main aspects of the credit risk. According to theinfluence of many factors, the bank needs to solve the problems in multiple channelsat the same time to get the better effect, and to deal with the risk prevention measures for the small and micro businesses credit, such as Innovation risk management,improving the business management ability, grasping customer solvency accurately,innovating service product rapidly, improving managerial capabilities on the creditand so on.