Small Micro Enterprise Loan Risk Evaluation Of Bank P C Branch

As the financing difficult problem increasingly prominent, in order to guarantee the healthy development of small micro enterprises, our country issued a series of policies and measures to strengthen the organizing commercial Banks to the small micro enterprise support, in order to improve the financing environment of small enterprises.However small micro enterprise loan risk control of commercial bank has been the development of small micro enterprise loan business in a big problem, small micro enterprise loan business is easy to bring a large number of non-performing loans of commercial Banks, and cause the bank crisis of credit risk.In this paper, through the bank of the P, C small micro enterprise loan business, using Logistic model for C branch of small micro enterprise loan business credit risk evaluation, overall credit risk lower C branch conclusion, put forward the credit risk management of credit risk assessment system is relatively backward, the lack of a relatively independent small micro enterprise credit risk, collateral risk control department, etc.; Using operation risk assessment model for the operation of the small micro enterprise loan risk assessment, it is concluded that internal causes risk in the proportion of55%, external causes in the proportion of risk for45%of the conclusion, also found the bank internal control the lack of strict management system implementation, inadequate understanding of operation risk management and small micro enterprise credit from personnel of course of professional quality is not high; Through the index analysis and customer analysis for C liquidity risk evaluation, confirmed C branch have ample liquidity to support the development of small micro enterprise loan business, and put forward the P bank liquidity indicators lack of flexibility, bank liquidity management initiative is not strong, lack of powerful information management system support, the problem such as immature risk early warning mechanism. Finally aiming at the above problems, put forward the existing credit risk of small micro enterprise loans to take measures to control, set up in accordance with the characteristics of small micro enterprise credit risk evaluation model, set up relatively independent after the small micro enterprise credit management system, strengthen the management of collateral mortgaged property, enforcing the internal control, improve the credit personnel professional quality and establish perfect liquidity management system seven Suggestions.