Research On Risk Management Of Small And Micro Enterprise Credit Business Of Construction Bank H Branch

The activity of small-and-medium sized enterprises is a key index to measure the activity of a country’s economy.With the increasing financing needs of small-and-medium sized enterprises,the conflict between the supply and demand of capital resource also enlarges at the same time.So it is an urgent affair for the financial development to deal with the financing difficulties of small-and-medium sized enterprises.CCB is one of the big four state-owned commercial banks,and the financial service is one of the most important businesses of Branch H of CCB.The main credit risks faced by our brunch of small-and-medium sized enterprises are high risks,management difficulties,and high human-resource costs.Starting from the current condition of the risk management of small-and-medium sized enterprises of CCB,this paper uses the literature research method and case analysis method to deal with these problems.Based on the analysis of the credit service risk system of small-and-medium sized enterprises,comparing with the advanced experiences of both inside and foreign credit risk management of small-and-medium sized enterprises,and integrating the credit service management of small-and-medium sized enterprises of CCB,this paper points out five difficulties of credit service of small-and-medium sized enterprises faced by Brunch H of CCB.This paper provides five improvements and practical implements to improve credit service risk system of small-and-medium sized enterprises of Brunch of CCB,which include: setting up completed principles of performance evaluation and talent training,establishing a full scaled investigation,developing a system of layered guarantee of small-and-medium sized enterprises’ loans.One of the unique part of this paper is: analyzing and summarizing a large amount of primary data collected in Branch H of CCB.The another one is: Providing a series of resolutions,which adapt to the difficulties faced by brunch H of CCB,on credit risk management of small-and-medium sized enterprises.This paper looks forward to find the right methods and paths to the development of small-and-medium sized enterprises.