Research On Credit Risk Management Of Small And Micro Financial Business Center Of Industrial And Commercial Bank Of China

In recent years,with the increasing support of government policies,small and micro enterprises have developed rapidly and gradually become the most important economic entity in the development of China’s market economy.In view of this,while responding to the strong support of national policies,domestic commercial banks have also launched a variety of small and micro enterprises credit products,and continue to expand the small and micro credit business market.But on the other hand,small and micro enterprises have the characteristics of high operating cost pressure,nonstandard financial management and weak ability to resist risks,which lead to frequent occurrence of bad loan risk events and bring the risk of credit business that can not be ignored.Therefore,the importance of credit risk management of small and micro enterprises can not be ignored.The thesis takes a small and micro enterprise financial center of ICBC Ningxia branch as the object of study,and based on the current status study of the small and micro enterprise financial business center on credit risk management framework、the major financing products、rating credit system、the investigation,review and approval of small and micro credit business、credit risk monitoring and early warning、duration management、non-performing loan accountability system and so on,to point out the problems of small and micro enterprise financial business center in the credit rating indicators、credit products guarantee methods、the non-spot monitoring of post loan management、the risk awareness of employees and so on.And based on the analysis of the causes of the formation of the problems,it suggested that we should integrate rating index system according to the characteristics of small and micro enterprises、innovative credit products guarantee methods、strengthen the pre-loan identification and off-site monitoring after loan simultaneously、strengthen the construction of credit risk culture.Thus promoting the steady development of small and micro credit business of ICBC Ningxia branch,and providing some reference for the credit risk management of small and micro financial business centers of the same industry at the same time.