Research On Risk Management Of Small And Micro Enterprises Credit Business In Shanxi Branch Of H Commercial Bank

In recent years,China's macro economy entered a period of economic downturn,production and financing costs Small and micro businesses continue to rise,increasing pressure to survive,business conditions worsen,debt default risk rises,commercial banks non-performing loan rate rebound,making the development of Small and micro businesses business of commercial banks enthusiasm hit.However,the government management departments,the banking regulatory authorities still require commercial banks to increase support for small and micro enterprises.How the commercial banks in the macroeconomic down cycle,strengthen risk management,will small and micro businesses non-performing loans at a fairly reasonable range,realize the sustainable development of Small and micro businesses become business,commercial banks need to solve the problem.First of all,this paper expounds the types of commercial bank credit risk,the methods of commercial bank credit risk management and the content of commercial bank credit risk management.Secondly,H Commercial Bank of Shanxi branch of small and micro enterprises credit business risk management status and problems analysis.This paper analyzes the framework and process of credit risk management of small and micro enterprises in H commercial banks,and analyzes the existing problems in risk management.Thirdly,the paper puts forward the Countermeasures for the credit risk management of small and micro enterprises in H Commercial Bank of Shanxi province.In order to improve the level of risk identification,risk measurement,innovation risk monitoring mechanism,the use of "refinement and puts forward some countermeasures for risk management of H Commercial Bank of China branch in Shanxi province Small and micro businesses credit business Internet plus" to help commercial banks to control risk,build the risk control mechanism and other aspects.Finally,the paper puts forward the safeguard measures to guard against the risk of Shanxi branch of H commercial bank credit business Small and micro businesses,institutions set up credit management Small and micro businesses are put forward,enrich the talents construction of credit risk management Small and micro businesses,to create a mature Small and micro businesses credit risk management culture.Study on the analysis of present situation and strategy of risk management of H Commercial Bank of China branch in Shanxi province Small and micro businesses credit business,not only the development of credit business Small and micro businesses of commercial bank H has theoretical and practical significance to promote China's commercial banks to Small and micro businesses credit risk management also has important practical significance.