The Case Study On Credit Risk Management Of Small And Micro Businesses Of T Bank

In recent years, our country Small and micro businesses has been rapid development, in promoting economic development, expanding employment, increasing tax plays an important role. But Small and micro businesses in the broad market competition is still facing backward technology, information occlusion, the lack of talent, the threshold of market access some restricted factors. Small and micro businesses financing risk is one of the major risks faced by T bank, thus to strengthen the control of the Small and micro businesses financing risk has very important significance for T bank.T bank in order to guarantee sustainable development of credit business in recent years, the gradual adjustment of credit structure, vigorously develop small micro credit business, with the continuous development of business, problems also emerge in an endless stream, the recent frequent problems such as default. This paper takes the risk management of T bank small micro credit business as the breakthrough point, trying to improve the process, strengthen management, improve service at the same time, the use of scientific management means to change the T bank’s predicament. This paper mainly from the following several aspects of the T bank small micro credit business in-depth study:first, elaborated the paper research background, purpose and significance, content and method. Through the real case describes the credit management situation of T bank Small and micro businesses. From the T bank survey, small micro credit business, responsibility and organizational structure, the flow of credit, the characteristics of business and products, guarantee mechanism and post loan management mechanism described the present situation of T bank credit risk management and the existing problems; secondly, the causes of T bank Small and micro businesses credit risk management problems are analyzed. Divided into two parts, the first part describes the related theory and research status for. The second part is the analysis of the causes of the existing problems of T bank small micro credit management, including Small and micro businesses credit rating system is not scientific, Small and micro businesses the credit management process is not standardized, credit risk management mechanism is not perfect, four aspects Small and micro businesses credit risk management specialization level is lower; finally, the control problems the risk management problem of T bank Small and micro businesses countermeasures and suggestions for improvement. Sectional specification five aspects Small and micro businesses the credit management process, improve Small and micro businesses the credit rating system, the establishment of credit risk management mechanism, Small and micro businesses to enhance Small and micro businesses the credit risk management level of specialization, related measures.The status quo of hopes to improve and change these management can change the T bank Small and micro businesses credit work, make T bank small micro credit business to the sustainable and healthy development, but also hope to have to provide certain reference the same development bank..