X Branch Small And Micro Enterprise Credit Risk Control Research

With the rapid development of economy,Small and micro businesses has become Chinese national economy continued to grow and develop the important one of the strengths,but for the moment,it's not easy for most small and micro businesses to get cash.In recent years,the state has increased concern and support for small and micro businesses the ways to promote the use of bank loans were rapid growth in Small and micro businesses.But it is imperative for banks,effective management and risk control of loan effective management of asset quality is the essence of commercial banks and reasonable allocation,the quality of credit assets,g ood or bad,not only directly determines the bank itself and the financial industry survival and development,but also to the entire economy development.Has an important influence on development and social stability.How to improve the efficiency of credit,effective control of Small and micro businesses credit.The risk has become an important subject of Chinese commercial banks to solve at presently.Small and micro businesses of Chinese commercial bank credit scale showing a rapid development trend of steady,Small and micro businesses loans.With the main form of mortgage,guarantee form proportion of loans has increased,Chinese bank for Small and micro businesses.The risk control system and supervision mechanism,played a more positive role.However,Chinese bank for small and micro businesses credit risk control is generally lagging behind the credit risk assessment of construction,loan types,loan review.The system is not standardized,lack of risk control mechanism for small and micro loans and other issues,these problems are mainly due to the letter asymmetric information,high cost of micro loans,banks lack of credit risk control theory,Small and micro businesses of their own.The internal control is not perfect and other reasons.According to the Bank of Small and micro businesses credit problems,put forward a clear small and micro businesses customer market,clear credit risk control and transaction principle,comprehensive control of credit risk small and micro businesses,according to the different type of credit risk small and micro businesses use of various means of risk prevention,innovative ideas optimization of strict control of small and micro businesses credit business process,and from the management,loan marketing,investigation,loan review,loan before the loan approval,the scientific and feasible countermeasures are put forward.The management after the loan from the domestic and foreign theoretical research results of valuable accumulation combined with X branch small and micro enterprises credit business practice the Experience,focus on the analysis of the existing small and micro businesses credit risk management problems and the reasons for Small and micro businesses credit business risk control environment,small and micro credit rating system,small micro credit business process,and puts forward some suggestions and opinions of various credit risk information systems and supervision system and so on.