A Research Of Micro Credit Risk Management Of A Bank

After the reform and opening to the outside world,our government has made great efforts to develop the economy.China's economic development has been advancing by leaps and bounds.The daily life of the residents has increased,and all kinds of enterprises have sprung up like bamboo shoots after a spring rain.According to the National Development Bank data,by the end of 2015,China's registered small and micro enterprises have reached 1200,and small and micro enterprises play an increasingly important role in the economy.Large and medium-sized enterprises compared to Small and micro businesses development has many bottlenecks,such as:lack of management talent,the corresponding financial system is not perfect,innovation development is relatively backward,lack of funds,financing is relatively difficult,these factors are not conducive to the sustainable and healthy development of Small and micro businesses.In many unfavorable factors,the biggest bottleneck in the development of the development of Small and micro businesses is the lack of funds,financing is difficult,it is not only the key problem facing China's Small and micro businesses,but also to other countries in the world Small and micro businesses development key problem,the Small and micro businesses financing difficult to find the cause of the problem,there is a direct relationship between the not only Small and micro businesses own characteristics,also have a direct relationship with the financial credit system.Based on this,this paper mainly analyzes the present situation of the credit risk management of industrial and Commercial Bank of A branch of Small and micro businesses,find out the main problems existing in the credit risk management of the whole Small and micro businesses,and perfect the evaluation of credit risk and Commercial Bank A branch Small and micro businesses model,create ideas and create the guiding principles in the evaluation index system of industrial and Commercial Bank of A branch of Small and micro businesses credit the risk,combined with the research status and achievements have been,according to the general characteristics of Small and micro businesses,using AHP to improve the evaluation index system of industrial and Commercial Bank of A branch of Small and micro businesses credit risk.From the credit risk management of commercial banks at home and abroad Small and micro businesses experience,from a sound risk control flow,improve the risk management organization,to carry out product innovation,puts forward the industrial and Commercial Bank of A branch of Small and micro businesses credit risk management suggestions.Finally,the industrial and Commercial Bank of China A branch of small and micro enterprises credit risk management program to enhance the implementation of security measures were recommended.The research results of this paper to avoid the bad loans incident,credit risk management suggestions put forward Small and micro businesses,help to further alleviate the financing problems of Small and micro businesses,actively promote the healthy development of Small and micro businesses.