Research On Risk Management Of Small And Micro Credit Business Of D City Commercial Bank H Branch

With the prosperity of China's market economy,the rapid growth of the number of Small and micro businesses,China's financial system of small micro credit business has developed to a certain extent,many commercial banks competing for Small and micro businesses,individual industrial and commercial households provide a wide variety of financial services,but Small and micro businesses in the bank financing problem still exists,the reason lies in the financial management of Small and micro businesses are not standardized,the inherent risk is high,small and micro financial risk control system is not mature,resulting in commercial bank credit crunch,fear loan.It is true that the potential of small and micro credit business.As local financial institutions of the rural commercial bank,assume the task of local economic development,to support the small and medium-sized enterprises in the beginning,the difference in national commercial banks,is restructured from rural credit cooperatives,rural commercial bank's credit risk management level from the national business banks have a certain gap,but also management the characteristics of its own,to the local personnel familiar with high degree is its biggest advantage.Therefore,to improve the ability of rural commercial bank credit risk management is a process of exploration and innovation,especially in-depth study of risk management is more small and micro financial services.It is of great significance to find effective measures to improve the quality of assets and promote the development of local economy.The purpose of this paper is to study the D rural commercial bank H branch,the combination of theory and practice,in view of the D city commercial bank credit risk management in the small and micro business problems in-depth analysis,to explore the system scheme of bank small micro credit business risk management,and has put forward the risk identification,assessment,reference the proposed control measures,provide a useful reference for the scale,quality and benefit to promote balanced development of rural commercial bank small micro credit business.