M Bank Small And Micro Enterprise Credit Risk Management Research

In our country,small and micro enterprises outstanding achievements,for the prosperity of China's market economy,improve financial income,employment and other aspects of the improvement of a lot of help.After the outbreak of the world financial crisis,the Chinese government has promulgated a number of policies and regulations conducive to the development of small and micro enterprises,aimed at solving the financing problems of small and micro enterprises.For small and micro enterprises from bank loans is the most important means of financing,so it is necessary to dig deep,in order to find out the bank's next focus on development,understanding and analysis of future trends.Therefore,the actual situation,the credit risk is an important issue faced by all commercial banks,but also the focus of commercial banks to maintain sound operation and development.Now in the face of this continued downward economic trend,to carry out the research on the management of Small and micro businesses credit risk comprehensive,not only conducive to M continuously improve the quality of bank assets,can also promote the sustained steady and rapid growth pace,especially for the development target of M bank once again realize that grave.This paper is mainly composed of basic risk theory,expounds the definition,target and stage of bank risk management concept,the concept and classification of the commercial bank credit risk,the credit risk of the Small and micro businesses;expounds the actual situation of M bank small and micro credit risk management;Bank of M present in the small and micro enterprise management status and problems the credit management was analyzed,and the conclusion is Small and micro businesses not only can promote the strong development of M bank,but also lead to some large or small business risk,though,the M bank has used a variety of measures,but the shortcomings and loopholes in management and have not been completely eliminated;finally,puts forward the management of information asymmetry,the organizational structure needs to be perfected,assessment and incentive mechanism is not reasonable,business personnel occupation quality and credit system The implementation of many problems in place,these problems mainly occurred in the small and micro enterprises operating factors,economic environment,commercial banks etc..At the same time,the author gives some suggestions to solve these problems.