The Credit Risk Management Research Of Small Micro Enterprises Basing On Nanjing Branch Of Industrial And Commercial Bank Of China

With the deeply develop of market economy, the number of small micro enterprise increases year by year, the role in the development of national economy is becoming bigger and bigger, becoming an important part of the local fiscal taxation. According to the survey of Industry and Commerce Administration Bureau, as of 2014, the number of large enterprises and medium-sized enterprises is only about 10 million, accounts for only 1% of the national enterprises, the rest is small micro enterprise. Small micro businesses play a significant role in expanding employment and meeting the people's needs, is the main channel for entrepreneurship. Because of the social credit system is not perfect, small micro enterprise's financing difficulty has been the attention of the society. Industrial and Commercial Bank doesn't have e credit risk prevention and control system for small micro enterprise, how to balance the small micro enterprise credit risk and the small micro enterprise financing difficulty is the top priority, therefore, it is necessary to design a special credit for small micro enterprise risk prevention and control system.Regard Y branch of Industrial and Commercial Bank of China as the research object, analysis of the small micro enterprise credit risk management problems, in the following aspects: the external market environment, the management of commercial bank, commercial bank credit business process, small micro enterprise. And put forward some countermeasures for the existing problems. Small micro enterprise in Y area mainly divides into four types : the small micro enterprise in the professional market, small micro enterprises in the industrial cluster, chain finance small micro enterprises, joint management mode of large department stores small micro enterprise. Joint management mode of small micro enterprises accounted for the biggest, so this paper analysis joint management mode of small micro enterprise case, design appropriate for the type of small micro enterprise credit risk prevention and control system.