Research On Micro And Small Businesses’ Credit Risk Management Of A Branch Bank From BCM

Due to the current domestic and international economic growth slowdown, small and micro enterprises are facing backward management, financing costs, profit margins decline and other issues, commercial banks’small and micro business loans risk also increase accordingly. Apart from the small micro enterprise loan business’s rapid development at the same time, small and micro business’s situation is not stable, of high financial risks and low financial information transparency characteristic, gradually giving the bank’s credit risk control system a challenge. Therefore, it is a real requirement for the banking industry to grasp the characteristics of the credit risk and improve the level and the efficiency of the credit risk management.This paper adopts the combination of theoretical analysis and actual case comparison, a branch of Bank of communications of small micro enterprise credit status and risk management policies are analyzed, on this basis, summed up the deficiencies in risk management. Finally, it puts forward corresponding countermeasures. The main contents and structure of this thesis are as follows:the first chapter mainly introduces the research background, significance and main research methods, while the domestic and foreign literature related to this subject are summarized; the second chapter is the introduction to the theory of credit risk management, mainly introduces the concept of credit risk, content, type, and the corresponding credit risk management methods; the third chapter is the branch of Bank of communications A Small and micro businesses credit risk management analysis, mainly introduces the credit business of Bank of communications A branch Small and micro businesses in the process of risk management, the risk mechanism of A branch of Small and micro businesses, the existing problems of content development, the fifth chapter is based on the previous chapter put forward targeted countermeasures. In this paper, through the analysis that the risk control system of small and micro enterprises is related to the long-term and stable development of the commercial banks, and the risk management of commercial banks can consider from establish a consistent risk management culture, strengthen internal management, enhance the ability of business operations, to speed up the service and product innovation and multi sectoral cooperation, in order to achieve better results.