A Case Study On Credit Risk Control Of Small And Micro Enterprises In A Branch Of Huishang Bank

In recent years,in response to public entrepreneurship and innovation spirit,the small micro enterprises in our country government is deepening year by year,whether it be a policy support,or money,or the relevant institutional support,that reflects a country to develop the small micro enterprise determination.Commercial Banks have also seen the opportunity to expand their living space and shift their focus from large and medium-sized enterprises to smaller and smaller enterprises.In the economic downturn,however,in all walks of life are faced with opportunities and challenges of today,for small micro enterprise exists low added value,and poor profit thin,risk tolerance,to the small micro enterprise credit of commercial Banks has brought serious test.This article through to the anhui merchants bank A branch of the small micro enterprise credit risk control to analysis and research,through the analysis of the existing risk control management theory,points out that the anhui merchants bank,A branch of risk control measures of various deficiencies and need to solve the problem,and to establish an early warning system for the risk control and information feedback mechanism,optimize the credit process,speed up the small micro enterprise credit system construction.This paper firstly combed the assets liabilities risk control theory,assets and liabilities,comprehensive risk management theory,credit rationing theory such as small micro credit risk control theory,the commercial Banks in China based on the status quo of small business loans are analyzed,with A typical Huishang bank,for example,first analyze the general situation of the whole Anhui merchants bank A branch,then introduce the bank the whole development of small micro enterprise credit business situation,finally the existing credit business on the risk control mechanism is introduced.With Anhui merchants bank A branch as an example,then respectively from the Angle of the external market,small micro enterprise itself,small micro enterprise credit process,small micro enterprise risk control Angle,pointed out the problems and defects in the small business risk control,for small micro enterprise risk control field at home and abroad and combining with the actual material,puts forward the relevant solutions and measures,summarizes specific Suggestions,such as set up small micro enterprise risk early warning and control information feedback mechanism,help to speed up the small micro enterprise credit rating system set up and optimize Huishang bank small micro enterprise credit process,enrich and expand the new normal under the relevant theory of commercial bank loan risk control.