Research On AB Bank Small Micro Enterprise Credit Risk Management With Reference To The Experience Of The Ali Credit

Small micro enterprise involves people’s livelihood, consumption and employment, plays an important role on the national economy. With the deepening of financial reform and improvement of direct financing, domestic commercial Banks are also searching for a new area for increasing growth. The development of small micro enterprise loan is very important not only for the enterprises, but also for the country and commercial Banks. Small micro enterprise, however, has some shortcomings, such as large customer number, Irregular operation, information opaque, high efficiency requirement, less collateral, which are very different with the traditional large and medium-sized enterprises loan. That needs domestic commercial Banks to innovate the risk management system reform. The Paper is based on this demand, the purpose is to design the small micro enterprise credit risk management system.This Paper has researched the literature related with small micro enterprise credit risk management, and expounds the basic theory of commercial bank credit risk management, including customer evaluation theory, the damage assessment theory, risk transfer theory, combining to small micro credit risk management theory, as the theoretical basis of the Paper. AS for the practice analysis, the paper studies the experience both from the international commercial Banks and the current situation of domestic commercial Banks, especially focuses on the outstanding experience from Alibaba. Based on this, the paper designs the credit risk management system of small micro management principles and ideas, and expounds the detail keys, including customer evaluation, credit rating, risk pricing, loan analysis, risk transfer, dispersion and compensation, etc.On conclusion, it is necessary to implement the classification management, standard management and quantitative management, for balancing risk and return. It is important to establish a standardized customer evaluation model, examination and approval system, research the targeted loan products. If commercial Banks can implement whole process of risk management, including the model, principle, ideas, processes, and design the scientific and effective credit risk management system properly, it is possible to keep the small micro enterprise loan healthy.Finally, the paper prospects the research future, there is further research space in the area of experience across different countries, and statistical empirical model of micro credit rating.