The Study On Credit Risk Control Of Small And Microenterprise On JT Bank HN Branch

Financial occupies a central position in the modern economy running.Bank as an important part of the financial system,the credit risk has been accompanied its birth.Banks,academics and government agencies are exploring measures and methods to reduce or avoid credit risk.Small and micro enterprises is an important part of the market economy,it has an important significance for the prosperity of the market,promoting employment,improving people's livelihood,maintaining social stability and sustainable development of China's economy.However,the small micro-enterprise financing has a "small amount,short cycle,emergency money,high risk" characteristics guarantee bank lending requirements,asset-backed and other additional conditions,difficulties in financing small and micro business financing has become an indisputable fact.How to support the development of small and micro enterprises in the case of credit risk control has a very important theoretical and practical significance.This article select HBBC as a research object,first describes the background and significance of its small micro-enterprise credit risk control issues.Secondly,based on the definition of small and micro enterprises on credit risk control related research conducted a literature review to provide theoretical support for the following research.Again,micro-enterprise credit risk control of HBBC status and problems were studied.Based on the introduction of the HBBC,respectively,from the current situation and status of small micro-enterprise credit risk control point of view,through interviews and work with their own experience in this line,it sums up its credit risk control in the problems.Then,for the third chapter analyzes the current situation and problems,learn from the advanced credit risk control,the use of risk control related knowledge,constructed Bank Henan Branch of small micro-enterprise credit risk control and control system and risk control measures.Next,the actual use of small and micro business case analysis of the small micro-enterprise credit risk control.Finally,in order to guarantee the implementation of optimization strategies,the author puts forward the corresponding safeguards.The end of the paper,the content of the written summary review,and point out the problem in the future should be in-depth research.Through this research,we are hoping to help the HBBC to solve the existing small and micro-enterprise credit risk control questions and practical work in a timely manner to improve and perfect,and constantly improve the Bank Henan Branch of credit risk control and control capability,better promote their sustainable development.