The Research On Credit Risk Management Of Lanzhou Bank Small And Micro Enterprises

Small micro-enterprises generally refers to the individual industrial and commercial households,family workshop-style enterprises,micro-enterprises and small businesses in general.Small and micro enterprises generally exist in all walks,in agriculture,forestry,animal husbandry and fishery,small and micro enterprises generally refers to the enterprises of income is following 500 million yuan;In the industry,accommodation,catering industry,refers to the income is following 20 million;in the transportation industry,small and micro enterprises refers to the income is following 30 million yuan.Small and micro enterprises is an important foundation for China's economic and social development,have made great contributions to China's economic development.have played an important role in improving and adjusting the industrial structure,solving employment problems and promoting the process of urbanization.However,compared with large enterprises and state-owned enterprises,there are still some problems in the management system,Vulnerable to the impact of the external economic environment,Therefore,the development of small and micro enterprises in China is facing many difficulties,financing is an important one.With the continuous development of China's economy and the continuous deepening of economic reform,the new economic norm still appears.Small and micro enterprises,as the new force to support China's economic growth and the reserve economy of the industrial economy,deserve the attention from the local to the central government.So to support small and micro enterprise development has become a national strategy,small micro-enterprise financing has also attracted the attention of all parties.For commercial banks,how to manage small and micro enterprise credit risk is the important task that commercial banks must face while doing small and micro enterprise credit and supporting the development of small and micro enterprises.This paper focuses on the credit management of small and micro enterprises in Lanzhou Bank.Firstly,it introduces the basic theory of credit risk management.Based on the analysis of credit risk and its management,credit rationing theory,information economics and game theory,this paper combines Lanzhou bank micro-Risk management of Lanzhou Bank,this paper analyzes the four problems existing in the credit risk management of small and micro enterprises in Lanzhou Bank,and points out four reasons for the risk management of Lanzhou Bank.The risk management system is relatively backward,the risk management process Lack of standardization,lack of risk management talent and lack of risk transfer and control tools.Based on the advanced experiences of foreign commercial banks,this paper puts forward some suggestions on how to improve the credit risk management of small and micro enterprises in Lanzhou by means of scientifically designing the credit level of small and micro enterprises,improving risk identification and measurement,establishing risk early warning mechanism and perfecting Risk control mechanism and improve the risk management process to enhance the Lanzhou bank micro-enterprise credit risk management optimization and improvement measures.The optimization and improvement of small and micro enterprise credit risk management of Lanzhou Bank can provide a theoretical basis for better development of small and micro enterprise credit and further development of Lanzhou Bank,which can provide reference for more commercial banks facing similar problems in Lanzhou Bank.