Research On Credit Risk Management Of Small And Micro Enterprises In Bank A Of Industrial And Commercial Bank Of China

As one of the most dynamic and dynamic groups in the market economy,small and micro enterprises have become one of the important driving forces of China's economic growth,which is of great significance to the development of China's national economy and the adjustment and transformation of industrial structure.According to statistics,the number of small and micro enterprises accounted for about 90% of the number of registered enterprises in the country,the tax amount accounted for more than half of the total tax revenue,providing 75% to 80% of urban jobs,to absorb a large number of rural surplus labor,Maintain social stability and effective protection.In short,small and micro enterprises are the basic and important forms of our economy.Nowadays,China's economy is in a downward economic background.Small and micro enterprises are faced with such problems as backwardness in operation and management,rising financing costs and falling profit margins.Commercial banks' small and micro enterprise credit risks also increase accordingly.With the rapid development of small and medium-sized enterprise loan business,small and micro enterprises are unstable in operation,high in financial risk and low in transparency of financial information,and they are also challenging the credit risk control of banks.Therefore,to grasp the characteristics of small and micro enterprise credit risk,improve the level and efficiency of credit risk control,has become the reality of China's banking industry requirements.Based on the analysis of the present situation and the risk management policy of small and micro enterprise credit of Industrial and Commercial Bank A Branch,this paper summarizes the shortcomings of risk management,and finally puts forward corresponding countermeasures..The main content of this paper is as follows: The first chapter introduces the research background,significance and main research ideas of the paper;The second chapter is an overview of small and micro enterprise credit risk management theory,mainly introduces the concept of small and micro enterprise credit risk,Contents and management methods;The third chapter is the current situation and problems of credit risk management of small and micro enterprises in A Branch of Industrial and Commercial Bank of China.It mainly introduces the development situation of small and micro enterprise credit business of A Branch of Industrial and Commercial Bank of China and the existence of credit risk management of micro.The fourth chapter is the analysis of the causes of the problems raised in the previouschapter and the reference to some foreign credit risk management theory.The fifth chapter is the above-mentioned problems put forward specific countermeasures and suggestions.After analyzing,the author believes that the risk control system of small and micro enterprises is related to the long-term and stable development of commercial banks,and the risk management of commercial banks can be considered from the establishment of a consistent risk management culture,strengthen internal management,enhance business capacity,And product innovation and multi-sectoral cooperation and other aspects of improvement,with a view to achieve better effect.