Research On Credit Risk Management Of Small And Micro Enterprises In Hei Long Jiang Branch Of China Construction Bank

Small micro enterprise in increasing the income of residents, promoting employment and meet the demand of market, promote technological progress and economic growth has an irreplaceable role, is the foundation of sustainable economic growth. But for now, the small micro enterprise is facing cash flow is not enough, operating pressure, difficulty of financing constraints. Small micro enterprises are important customers of commercial bank group and its profits to the bank at the same time, also increased the bank's credit risk. Small micro enterprises are important customers of commercial bank group and its profits to the bank at the same time, also increased the bank's credit risk. Hei Long Jiang branch of China construction bankas one of China's four big state-owned commercial bank branch, for small micro enterprise credit management is not perfect, bring to Hei Long Jiang branch to carry out the small micro enterprise credit business threats and challenges.In the face of a variety of hidden dangers existing in the current small micro enterprise credit risk, based on the bank of construction. A small micro enterprise credit risk management as the research object, combined with Hei Long Jiang branch of the small micro enterprise credit risk management present situation, points out its in the small micro enterprise credit management problems, and analyses the cause of the problem. At the same time.combining with case analysis of Hei Long Jiang branch of the small micro enterprise credit risk management risk points. On this basis, by the people's livelihood bank small micro enterprise credit risk management and its enlightenment.Small micro enterprise credit risk management means of risk identifying, monitoring, security management, post-loan management and compliance, Hei Long Jiang branch from five small micro enterprise credit risk management system is improved. In this paper, based on the study of literature and theory at home and abroad, combined with own work experience, as Hei Long Jiang branch of the credit risk management system can improve the implement countermeasures are put forward.