Research On Post-loan Risk Management Of Small And Micro Enterprises In Hebei Branch Of China Construction Bank

China's economic development has entered a new normal,along with the real economy to the production capacity,inventory,deleveraging process,some small and micro enterprises production and management difficulties,various types of hidden risks gradually dominant.The prevention and control of credit risk Small and micro businesses face greater pressure,and credit risk management after loan risk prevention and control as the last line of defense,if not done in place,all the examination and approval links pre loan before the survey link and loan efforts will return to zero.In this paper,the risk management of small and micro enterprises in Hebei branch of CCB is selected as the research object.The research methods include literature review,case analysis and analytic hierarchy process.The thesis mainly includes four parts:First,analysis of the Hebei branch of China Construction Bank Small and micro businesses after the loan risk management of the status quo,combing the small and micro enterprise loan risk management related theory,put forward the risk management in small and micro enterprise loan in loan risk management consciousness weak four problems,and the causes are analyzed.Secondly,the Hebei branch of China Construction Bank Small and micro businesses credit risk identification and analysis,pointed out that the three kinds of risks exist in the credit risk management after loan and loan risk index weight calculation using AHP,laying the groundwork for the focus on "the implementation of risk management improvement scheme following the loan after the improvement of early warning system indicators of early period the.Thirdly,this paper puts forward the overall framework,the main contents and the key points of the implementation of the improvement program of the small and micro enterprises loan risk management of Hebei branch of China Construction Bank.Finally,put forward the safeguard measures of the Hebei branch of China Construction Bank Small and micro businesses credit risk management improvement program implementation,including five aspects: personnel security,system security,security,cultural security and credit evaluation mechanism of system security.This paper aims at analyzing the history,status quo and future development direction of the theory of risk management after loan,for the Hebei branch of China Construction Bank credit risk management ideas and improvement direction,and for other commercial banks Small and micro businesses credit risk management to provide a reference.