A Study On The Credit Loans Risk Control Of Small And Micro Enterprises

According to the "national small and micro enterprise development report(Abstract)" promulgated by the State Administration for Industry and Commerce in2014,data show that by the end of 2013,the total number of small and micro businesses in China within the scope of more than 15 million households,which accounted for in the main market share as high as 94.15%,and the distribution in each industry system,play a major role in the active market economy,tax increase,employment creation,the maintenance of social stability and so on.It has become the main force of China's economic development entities.But small and micro enterprises compared with other large and medium-sized enterprises,in the market competition is still at a disadvantage,especially in financing difficult.Small and micro businesses are small scale,lack of market competitiveness and risk coping ability is weak and other issues,coupled with the presence of their own lack of effective asset management,loan collateral,lack of institutional defects,honesty is too low so that the commercial banks in the small and micro enterprises are facing many risks of loans.Therefore,China's commercial banks in the process of providing credit loans to small and micro enterprises,should strengthen the control of credit risk,to ensure credit funds and bank assets security.This paper mainly follow the research ideas of finding problems,putting forward questions,analyzing problems,solving problems,and through the Small and micro businesses credit risk assessment and control of relevant literature carding and analysis.Small and micro enterprise credit related concepts,characteristics of credit loans,composition of credit risk,the causes of credit risk and the means of credit risk control are introduced.This paper puts forward the theoretical framework of credit risk control of small and micro enterprises,it lays a theoretical foundation for the full text.In this paper,the credit risk control of A company is analyzed.Mainly for small and micro enterprise credit situation were introduced,analyzed the particularity of the credit risk,and to A company as the object,the reason analysis of main problems in risk control and credit problems.Finally,the paper puts forward the risk control strategy of small and micro enterprises credit loan.This has a certain practical significance to solve the problem of its credit risk control,as well as to provide some experience for our commercial banks to control the credit risk of small and micro enterprises.