Risk Research On Small&Micro Enterprise Loan Business Of Commercial Bank

In recent years, government has given more support to the small and micro enterpriseon tax, encouraging innovation, improving management skills, expanding markets andfinancial services, while China’s commercial banks also increase the input in relatedsmall and micro enterprise loan business base on national policy step by step. As thiskind of services are newly developing business at present, there is not a professionalrisk management approach so far, so how to work on the controlling measures, whichbase on the characters of the small and micro enterprise such as the weakness ofcompany strength and management skills, lack of financial management system,irregular financial statements, poor ability in resisting rick, etc. and carry out effectiverisk management, are the key of good and continuous development to the small andmicro enterprise loan business in the commercial banks.Here according to the case study, we analyze the current situation of the riskmanagement on small and micro enterprise loan business in commercial banks. Wewill adopt the case of textile Business District of Zhongshan University for analyzingthe risk management of X bank, then find out the problems and solutions, forproviding strategy and suggestions to develop the services in commercial banks.Rick will appear along with the extensive development of small and micro enterpriseloan business in commercial banks. The banks need to enhance the risk managementaccording to perfect management system and risk warning system. Only like this, wecan get a good effect on risk management, and then keep a healthy and continuousoperation on the services.