PA Bank Chengdu Branch Small And Micro Enterprise Credit Risk Management Issues And Countermeasures

After the Third Plenary Session of the Third Plenary Session of eighteen, the domestic economy has a major turning point, the allocation of market resources is becoming more and more prominent, the domestic financial system reform has begun to gradually implemented, the commercial banks in the transition to inject new vitality into the economic development. With the world economy down, from the macro system to increase the support for the development of small and medium enterprises, in the domestic multi financing system, commercial banks are still the main channel for small and medium enterprises financing, and credit business is the main source of fixed assets and income of commercial banks, the level of their risk, quality is not only related to the profitability of banks, but also related to the sustained and stable operation of the national economy.Based on a lot of literature data and practical research, this paper studies the whole process of credit risk management as the research object, and discusses the risk management and risk management of the PA bank Chengdu branch of the credit loan projects in the former investigation, loan review, loan check. Through research and analysis, we believe that the core of the whole process management of credit risk management in Chengdu branch of PA bank is to improve credit risk management system, establish risk classification system, improve the comprehensive quality of credit staff, enhance their risk identification ability, increase the intensity of the assessment, and strengthen the system execution. Always standing in the whole process of credit risk management as a top priority of credit work, and constantly seek innovation, with the times, improve the whole process management and control level of the credit risk of PA bank Chengdu branch. To maximize the development potential of enterprises, from the institutional mechanisms for the development of commercial banks to make useful theoretical attempt and exploration.