Wealth Bank Research Of Credit Risk Management Of Small And Micro Businesses

Due to the frequent incidents, bank credit risks of commercial banks has major social-economic impact and always been the issue the world over; Furthermore, micro and small business financing has always been a major problem in the development of the world economies as well. How to serve the small and micro enterprises, how to offer the backup to the financing, how to serve the real economy, and in the meantime how to constantly improve the credit assets management system of commercial banks and reduce the risk of credit default, which has essential and practical significance. With the sizzling development of computer technology, cloud computing, gradual and maturing fusion between the large-scale data technology and traditional commercial banking, booming of the Internet banking and digital financing, which has a profound impact on the credit risk management of commercial banks.This paper introduces the related literature on the credit risk management of the commercial banks at home and abroad, and analyzes the main results on credit risk management of commercial banks on the basis of identification from the credit risks, measuring to the system management. Then it introduces the relevant theoretical concepts of small and micro credit enterprises, operational characteristics of small and micro credit enterprises as well as the main theory of the operation of credit risk management by commercial banks---theory of information asymmetry, portfolio, client classification and systems risk management theory. Taking a positioning in commercial banking services to small micro-enterprise financing for concrete example. Chapter 3 analyzes the specific business credit process of small and micro enterprises, and the specific content its small and micro enterprises business credit carries out, and summarizes some of the aspects in lack of work and thinks about the existing reasons for insufficient cause. The fourth chapter describes the problems and cause analysis into the Credit Risk Management in the wealth banking and SME (Small and Medium Enterprises). Chapter Five offers a couple of specific suggestions to the measures and suggestions as to the risk management of the wealth banks.In this paper, taking the requirements of "Basel Protocol" on risk management of commercial bank capital and the requirements of China Banking Regulatory Commission on the capital management of commercial banks as the main criterion, and meanwhile combined with the current trend on the integration of traditional banking integration with computer technology, against the backdrop of large-scale data, Internet-related finance and supply chain financing, the paper analyzes the credit risk management situation of the small micro enterprises in wealth banks, and strive to promote development and prosperity of the small and micro enterprises credit business in wealth banks, and at the same time enhance its credit risk management of the small and micro enterprises on the basis of compliance with national regulatory requirements.