Commercial Bank Lending The Small And Micro Enterprises And The Risk Control

Small and micro enterprises are the smallest of China’s economy economic entities, tostabilize China’s economic growth, expand employment channels, increase revenue, andmaintain social stability plays an irreplaceable role in China’s economic growth is the mainforce, but due to the influence in the policy, resulting in rising raw material costs, shippingorders atrophy, operating problems have become increasingly prominent, so small andmicro enterprises need capital financing, however small and micro enterprises in reality leadto difficulties in financing small and micro enterprises, business is difficult, which hasbecome an urgent problem to crack.Today, in most of the domestic market share in the joint-stock banks in the externalcompetition and internal assessment of pressure surge in profits double background,constantly putting in a lot of manpower, material and financial resources, the establishmentof the SME sector and even small micro-enterprise team, various commercial banks smalland micro businesses in the credit business as the Bank’s new profit growth point, thusspeeding up the transformation of the traditional model of a breakthrough in the line ofbusiness, to seize market share. But in the corporate credit rating and credit access standardbusiness perspective, the question of risk of small micro-enterprise credit risk and the size ofthe bank blocked the steps forward, so credit risk control has become a problem for SMEsvarious commercial banks The urgent need to address the financing difficulties, loans, directimpact on the development of enterprises. Therefore, how to change the existing creditmodel of commercial banks, giving small and micro enterprises to provide financial supportand to guard against the risks of loans to small and micro enterprises to promote their gooddevelopment has become an important issue urgent need to address the major commercialbanks.In this paper, the business perspective of domestic commercial banks, and theintegration of the various commercial banks credit rating and risk control programs,combined with the actual needs, presented a complete set of new small and micro enterprisecredit risk management mechanism, combined with the original bank companies and retailcredit business credit business partially improved, to use also the actual operation, but dueto all causes of domestic commercial banks in the various small and micro enterprise creditbusiness relatively late start in the actual operation and risk control Risk management is also missing a lot of practice and experience, and small and micro enterprises in different ways,loose regulation, the scale is not uniform, low operator’s own quality, resulting in an overallrisk issues issues outstanding. Therefore, we believe that if you want to solve the aboveproblems, the policy environment needed to work together commercial banks, small andmicro enterprises, to change the existing business model, rational development of smallmicro-credit business, so that the interests of small and micro enterprises to create a newcommercial banks growth points of interest.To better summarize and research stage of commercial banks to small micro-enterprisecredit risk control model, this article Societe Generale Bank, for example, the analysisfocused on small and micro enterprises Industrial Bank credit risk research and management,combined with practical, on how banks improve risk control every aspect of theconstruction of small and micro reasonable credit rating system and risk calculation model,small and micro enterprise lending criteria, such as improved product development andgives pertinent suggestions and valuable advice.