Research On Credit Risk Management Of Small And Micro Enterprises In China Construction Bank G Sub-branch

With the increasing number of small and micro enterprises in China,the commercial banks have increased the credit support of small and micro enterprises,the number of small and medium-sized enterprise credit customers has been increasing,and the credit scale of small and micro enterprises has been increasing.However,the credit quality of commercial banks is Is not high,the risk of frequent incidents,the probability of default is higher,so strengthen the small micro-enterprise credit risk management is more and more important.At present,G Bank of the current small micro-enterprise credit non-performing rate is increasing,for G Bank of the small micro-enterprise credit risk management requirements are also rising.Based on the theory of information asymmetry,credit rationing theory,game theory and enterprise life cycle theory,this paper analyzes the present situation of credit risk management process and risk management of small and medium enterprises in G Bank.Based on the literature induction method and case analysis method This paper analyzes the problems existing in the credit risk management of commercial banks and puts forward the corresponding improvement measures.This paper analyzes the current situation of the credit risk of small and medium enterprises in G Bank,which is mainly due to the situation of G Bank.There are some problems such as the backwardness of the credit management system,the imperfect process and the imperfect management team,and puts forward the improvement measures to pay attention to the relationship between the loan and the risk management,pay attention to the customer choice,strengthen the pre-loan risk review,Strengthen the management of credit after the establishment of risk coordination management mechanism to further strengthen the small micro-enterprise credit risk management,improve the G Bank credit risk management system,and further summed up the commercial banks for small business credit risk management measures to help business Banks Raise Small and Medium Enterprise Credit Risk Management Level.