Research On Credit Risk Management Of Small And Micro Enterprises In Commercial Banks

China’s economic downward pressure intensified,the state put forward the "public entrepreneurship,innovation" call,in the system level of small micro-enterprises were supported,small and micro enterprises stable development is essential.Commercial bank credit is an important channel for small and medium-sized enterprise financing.However,due to the high credit risk of small and micro enterprises,the bank has adopted the strategy of reluctance and credit.This paper attempts to find out the problems in the commercial credit management From the commercial banks and small and micro enterprises in two aspects of targeted recommendations to reduce the commercial banks,small and medium enterprises credit risk,and bank credit resources to further tilt to small and micro enterprises,so as to alleviate the problem of financing small and micro enterprises,the final To achieve a win-win business banks and small micro-enterprises.This paper uses the research methods combined with literature research and case analysis to analyze the problems in the management of micro-credit risk management in commercial banks by taking the case of Guangdong Branch of Guangfa Bank and civilized Horqin credit as the research object.The credit risk assessment system of small and micro enterprises is reliable Low credit process streamlining is not in place,unreasonable performance appraisal to increase the customer manager of the moral hazard and loan use to change,after the implementation of the loan check is not in place.In view of these problems,the commercial banks put forward the proposal of strengthening the third party cooperation,streamlining the credit process,perfecting the examination system and the post-loan inspection system,put forward the perfect enterprise system,strengthening the credit management and establishing the small micro enterprise guarantee alliance Optimization measures.