Research On The Problem Of Non-performing Loans In Small And Micro Enterprises In AB Rural Credit Cooperatives

Small and micro enterprises to add vitality to economic development,the healthy and sustainable development of the national economy is inseparable from the small and micro enterprises healthy and sustainable development.Economist Professor Lang Xianping,small micro-enterprises are small businesses,micro-enterprises,family workshop-style enterprises,individual industrial and commercial households collectively.Small micro-enterprises to provide employment for the community to create GDP,increase taxes and so make a great contribution,while small micro-enterprises with relatively small scale,less capital,simple management model and so on.Small and micro enterprises of these characteristics make small and micro enterprises lack the ability of sustainable development,human resource management confusion,financial opaque,no funds to use the plan,so that small and micro enterprises anti-risk ability,small micro enterprises of these characteristics also make it down in the economy Period,triggered a liquidity crisis,into a business dilemma,resulting in some small micro-enterprises can not return the loan on time.The state economy into the structural adjustment stage,the economic downward pressure need to continue for some time,while the effective market demand,the enterprise oversupply,some enterprises overcapacity,to ensure the healthy development of the economy must develop the real economy,only the real economy healthy development,Development and lay a solid foundation for small and micro enterprises as an important part of China's real economy,small micro-enterprise development for economic development into vitality.In the stage of economic adjustment,small and micro enterprises temporarily face operating pressure,the backlog of large inventories,a large number of accounts receivable can not be recovered,resulting in small and micro enterprises triggered a liquidity crisis,operating in trouble,can not return bank loans on time,some banks to control risk,Hesitation loans,credit loans,loans,loans and loans have occurred,resulting in increased pressure on the disposal of non-performing loans.In the complex economic situation,small and micro enterprises into business difficulties,leading to financial institutions,micro-enterprise non-performing loans and non-performing loan ratio double rise,lower bank profitability,business risk increases.In this case,it is particularly important to strictly control the credit risk and to make debt optimization for default customers.To determine whether the borrower's business is sustainable,the overall situation of the industry,the nature of the problem and the integrity of the borrower,etc.,to determine whether to establish long-term cooperative relationship,through accurate judgments,the classification of customers,divided into Debt-optimized companies and companies that can not make debt optimization,and then take measures to take risks.AB Rural credit cooperatives must make debt optimization for default customers in accordance with the principles of compliance,the principle of truth,the principle of necessity,the principle of prudence and the principle of strengthening management without violating national laws and regulations.Debt optimization is the way of loan extension,turnover of loans,debt to undertake,debt restructuring,debt restructuring and access to judicial proceedings.When the debt is optimized for the default customer,the account manager and the credit management department pay close attention to the borrower's own production and operation and the external environment changes through the off-site monitoring and on-site inspection,strengthen the micro-enterprise cash flow supervision,pay special attention to the business Status,cash flow,production and sales cycle,when found to affect the business factors,timely research and analysis,good risk prevention and control means.