Research Of Small Micro Enterprise Credit Risk Assessment In City Commercial Bank-Take BH City Commercial Bank For Example

In recent years,with the domestic small micro enterprise quantity increasing,commercial Banks a significant increase in the scale of small micro enterprise credit business to small micro enterprise credit risk continues to accumulate,it puts forward higher requirements to the risk assessment of commercial Banks.In this paper,we study to BH city commercial Banks as the research object,from the micro perspective of corporate credit business risk assessment,the methods of case analysis,hierarchical analysis,specific studies the issues related to small micro enterprise credit risk assessment.Studies suggest that the current BH city commercial Banks have built small micro enterprise credit business risk assessment of the corresponding organization structure,the formation of the corresponding risk assessment system,process and method,so as to realize the small micro enterprise credit risk assessment.However,further analysis found that BH city commercial bank's current small micro enterprise credit risk evaluation system although has obtained certain achievements,but it still exists many problems,mainly embodied in: one is the organization structure is unreasonable,can not adapt to the needs of the small micro enterprise credit risk assessment;Second,the small micro enterprise credit risk assessment system is not sound,and the small micro enterprise credit business operation is limited;Three small micro enterprise credit business risk assessment process efficiency is not high,part of the process design more omissions;Four is small micro enterprise credit risk assessment method is subjective,is not conducive to obtain objective evaluation conclusion.In view of the problems,this study pointed out that BH city commercial bank to take relevant countermeasures from the following several aspects: one is the organization structure,optimize the credit business risk assessment and to clarify the responsibilities of each related functional departments;Second,improve small micro enterprise credit risk evaluation system of the business,and ensure that the relevant system to carry out in actual management in place;Three is to improve the efficiency of the small micro enterprise credit business risk assessment process,specifications related to the risk assessment process;Four is to build a small micro enterprise credit risk assessment of the scientific method system,combined with the analytic hierarchy process(Ahp),reasonably set the weight of each index,in order to better assess the risk of various small micro enterprise credit business.In order to ensure that BH city commercial Banks improve small micro enterprise credit business risk assessment scheme can implement,this study also put forward some safeguard measures,including building attaches great importance to the risk management of enterprise culture,provide strong human resources support and increase the risk of a credit evaluation system of investment,the introduction of innovation or related small micro enterprise credit business risk assessment methods or means,continuous improving BH city commercial bank's internal control system,etc.In this paper to improve the domestic urban small micro enterprise credit business of commercial bank risk assessment level of reality reference significance.