Small Micro-enterprise Loan Risk Management Research To Lanshan Branch Of The Agricultural Bank Of China

MSME as the market economy is an important part,in promoting economic growth,solve the employment problem,increase scientific and technological innovation ability,plays a more and more important role,become the implementation of public business,an important carrier of innovation and peoples.Small and micro enterprises due to less capital,small scale,lack of perfect management system and cause,in the change of market economy is easy to impact.Therefore small micro enterprise credit business existence certain risk,coupled with the commercial banks in small and micro credit products lack,there is no perfect system,so small and micro enterprise is difficult in the bank get credit for helping.In recent years,China's State Council,finance Department,the China Banking Regulatory Commission introduced a variety of policy to support the sustainable development of small and micro enterprises,small and micro enterprise credit business innovation is increasingly becoming the direction of rows in the transformation of the concept.The in theory,with Agricultural Bank of China,for example,to Lanshan Branch of the Agricultural Bank of truth,the difficulty of getting a loan for the analysis of small and micro enterprises,risk.Analysis rows of small and micro credit policy,credit the link analysis,on the basis of this,put forward reasonable and effective measures,small and micro enterprises to reduce credit risk.