A Study On The Risk Management Of Commercial Bank A’s Credit Operations To Small Companies

Small and micro enterprises as the real economy capillaries, has a pivotal role in boosting economic growth, technological innovation and stable employment, etc., but the small micro-enterprise "financing" has always been troubled by a major problem in China’s economy. With the small and micro economy plays an increasingly important role in the composition of the national economy, in recent years, the central and local governments at all levels continue to increase efforts to support small and micro credit, the major commercial banks have also come to realize that small micro-enterprise customer base in the future the potential value of the field of marketing, and will have a small micro-enterprise credit services as an important channel for steady business growth.Commercial banks are the basic attributes of a financial asset for the business object of special enterprises, with enterprises, that is, its ultimate goal is to achieve profitability. As an important part of modern commercial bank management, credit risk control has always been the bank to maintain a stable business priority. Therefore, the level of credit risk control, determines the success or failure of commercial banks. However, compared with the traditional medium-sized enterprises, small and micro enterprises operating large uncertainty, financial indicators vague, weak anti-risk capability. Banks to provide financial services but also bear more than the traditional credit business credit risk. Thus, the "high credit risk" has become the credit constraints of small and micro business development, has become the commercial banks to small and micro credit can not have a free hand to go all out the root cause.In order to study China’s commercial banks to carry out the process there may be a small micro-credit business in various credit risk, explore the control of small micro-credit risk, improve credit risk management approach. From the perspective of commercial banks to Bank A "credit loan" products, for example, in its small and micro credit risk control process include the presence of vulnerabilities and make the appropriate analysis to find China’s commercial banks in small and micro credit risk control process common problems, and to commercial banks in the field of business development put forward feasible suggestions.