The Small And Micro Enterprises Loan Risk Management Optimizationin Yongzhou Branch Of CCB

The government have paid more and more attention to the small and micro enterprises,and also this group has achieved unprecedented development achievements.The small and micro enterprises are playing an important role in promating the development of economic and alleviating the employment pressure,and has gradually become a force,that we can not ignore,who promotes the stable and development of our society development.For most financial institutions,including CCB,these enterprises regularly find it is very diffcult to find the funds when they need money to expand production or maintain normal operation,sometimes when they get one,the cost can be so high that it is byond their acceptance.And on the other hand,financial institutions have to enhance its risk management capacity when they carry out these financial service for the small and micro enterprises.The paper toke the risk management in the loan to the small and micro enterprises in Yongzhou Branch of CCB.Based on the existing research of risk management in the loan to small and micro enterprise,combing the practical situation and problems of Yongzhou Branch,the paper optimized the risk management system for small micro-enterprise loan,and take the business process,human resources and other aspects of the program as the safeguards for the system.The main conclusions of the article are:small micro-enterprises characteristics and large and medium-sized enterprises are very different,which also directly determines the small micro-enterprise risk management and traditional large and medium-sized enterprise risk management methods are different;small micro-enterprise credit risk the improvement of the management level can be carried out from the aspects of the improvement of its loan risk control mechanism,the improvement of the risk monitoring mechanism and the scientificization of the credit rating system.The optimization and improvement of the risk control system need to be closely matched with the actual business and process management.Cultural construction,human resources and business process transformation can be small micro-enterprise credit risk management framework to provide protection.Although this study is mainly a study on the small micro-enterprise in the construction of risk management system,other banks or financial institutions also has practical significance.Banks are operating the risk,they have to continuously improve their risk management level and management awareness in order to play a more long-term role.On the other hand,the development of the small micro-enterprise studied in this paper not only affects the development of the enterprise itself,but also plays a key role in the current economic restructuring and transformation,and through a more perfect wind control system,financial services,in order to continuously enhance the viability of small and micro enterprises,but also for economic development and transformation to contribute.