Study On Credit Risk Management Of Small And Micro Enterprises In Rural Commercial Banks

The banking industry is the lifeline and booster of the development of the national economy.Any country,region and any industry and enterprise can't be separated from the support of the banking industry.All of them need a sound and efficient banking financial system as a support.At the same time,the bank is a special industry with money funds for the operation of the project,so the operation of the banking industry is inseparable from the risk management,especially for rural commercial banks in terms of even more so.Rural commercial banks are usually aimed at small and micro enterprises in rural areas,through the issuance of funds to these small and micro enterprises to carry out business,help enterprises to develop and prosper the local economy.However,due to some of the disadvantages of micro and small enterprises in China,such as limited scale of assets and operating,poor risk resistance,weak profitability,rural commercial banks are always facing great credit business risks for small and micro enterprises.Based on the above realistic background,referencing predecessors' literature research,mainly using the methods of case study and social investigation,on the basis of deep study and draw lessons from Chinese and foreign literature,taking the theory of commercial bank credit risk management as theoretical support and taking commercial bank risk management requirements of New Basel Agreement as industry regulation,This topic carries out deep research on the small and micro enterprises' credit risk management of rural commercial banks.This paper firstly analyzes overall situation of micro and small enterprises' credit business and risk management of rural commercial banks in our country,and then selects JJ rural commercial bank as the research object to carry out deep typical case study.The fourth and fifth parts are the key sections of this paper of this paper.The fourth part explores the present situation and existing problems of small and micro enterprises' credit risk management in JJ rural commercial bank.Based on the analysis of above parts,this paper puts forward suggestions to JJ rural commercial bank so as to optimize the credit risk management of small and micro enterprises.These measures include establishing credit risk management of the overall framework and organization construction,improving the internal control system,optimizing small and micro enterprises credit risk evaluation index system,constructing the credit information platform,completing risk early warning mechanism,perfecting post-loan management,cultivating credit risk management culture and so on.So as to provide certain reference for domestic small banks,including rural commercial banks.After theoretical and typical case study,this paper comes to the conclusion that rural commercial bank shall specify the service to agriculture,rural areas and farmers and small micro enterprises market positioning,give full play to the traditional advantages,vigorously develop small micro financial business,carry out dislocation competition with large and medium-sized commercial banks.At the same time rural commercial bank should pay great attention to small micro enterprises' credit risk management,in promoting rural commercial bank risk management capacity and market competitiveness,promoting the development of small micro enterprises and local economy.