Research On Credit Risk Control System Of Small And Micro Enterprises In RC Rural Commercial Bank

Currently, small businesses play in the development of our national economy in a more and more important role in the development of small and micro enterprises to grow, to enhance China’s overall economic strength, increasing employment of farmers have an important role. However, due to the presence of the slow development of small and micro enterprises, small scale, is not standardized, low technological content of products a series of problems, so the funds to support access to credit more difficult as well. In recent years, concern and support for small and micro enterprises deepening, and has issued a series of support policies to help small and micro enterprises to achieve healthy and sustainable development. Banks in terms of small and micro enterprises is an important part of its customers. Especially for the county’s Rural Commercial Bank, a small micro-enterprise business customers accounted for a large part of its total business volume. Therefore, the strengthening of efforts to support small and micro enterprises, is the test of an important indicator of the viability of rural commercial banks. However, due to its own limitations and the influence of national macro-policy, small and micro enterprises, whose credit risk is also higher than the medium-sized enterprises. How effective and reasonable control of small micro-enterprise credit risk, not only for the development and expansion of rural commercial banks have a direct relationship, but also related to the colossal task. How to improve the utilization of funds rural commercial banks, small and micro businesses reduce credit risk has become an important subject of study rural commercial banks.In recent years, the rapid development of small and micro enterprises, has become the focus of attention of the community. In addition, small businesses account for a large proportion of the country’s economic market, to increase employment, stable social order, promoting economic development has a significant role. Governments at all levels attach great importance to the small micro-enterprise financing, at the same time, many commercial banks lending to small and micro enterprises as an important business task, with a special small micro-enterprise credit departments and personnel, development of the relevant credit institution, small micro-enterprise loan business to lay the foundation.Although commercial bank small business development of micro-credit has made significant achievements, but because agricultural firms had access threshold is too low, regulatory measures in place, to keep up with post-loan management, measures to guarantee perfect and other reasons, resulting in a small micro-enterprise credit risk It has occurred and there is an increasing trend. In view of this, this article is intended to combine the status quo RC agricultural business firms, currently developed credit risk control problems of small and micro enterprises, and make some agricultural firms on how to improve RC small micro-enterprise credit risk control system through the construction of this study comments in order to promote small and micro-enterprise credit business long-term healthy development.