Research On Credit Risk Control Of Small And Medium-Sized Enterpricses In Jiangxi Branch Of Industrial And Commercial Rank Of China

Small and micro enterprises are the vital force of national economic development,which play an irreplaceable and important role in effectively increasing employment,speeding up scientific and technological innovation,promoting industrial structure upgrading and promoting rapid economic development.It is of great strategic significance to strengthen the financial services of small and micro enterprises,which is the important content of commercial banks to support the real economy,stable employment and encourage entrepreneurship,which is related to the overall situation of economic and social development.Industrial and Commercial Bank of China attaches great importance to customers from small and micro enterprise,and it focused on the promulgation of a number of small micro-enterprise credit management the past two years,from the top-level design to workable measures,and constantly improve the system,innovative business model for a small micro-enterprise credit development channel.But in the development of the same time,compared to large,medium-sized enterprises,small micro-enterprise credit's bad rate remains higher.Financial information distortion occurs,the bank can not get real data,which can not make the right judgments.Therefore,how to strengthen the credit risk control,and promote small and micro enterprises to develop quickly and steadily,is the Industrial and Commercial Bank of China to solve the problem recently.The first chapter of this paper mainly summarizes the study of small and micro enterprises financing difficulties and bank credit risk through the domestic and foreign aspects,and elaborates the research methods,ideas and innovation of this paper.The second chapter mainly analyzes the causes and manifestations of the credit risk of small and micro enterprises in China,and expounds the connotation and extension of small and micro enterprises.The research on the characteristics,risk causes and performance of small and micro enterprises in China is studied.In the face of the many risk problems of small and micro enterprises,it is pointed out that commercial banks can not dare to lend and are not willing to lend.The third chapter mainly analyzes the current situation of the credit business of the small and micro enterprises of the Jiangxi Branch of the Industrial and Commercial Bank of China,and focuses on the status and characteristics of the ICBC business in the small and micro enterprises.The main content of the fourth chapter is to analyze the general measures of credit risk prevention in small and micro enterprises in the industry,from the pre-loan investigation,loan review,post-loan management and other aspects of prevention,and on the basis of industry practice on the basis of analysis of Industrial and Commercial Bank of Jiangxi Provincial branches of the risk control measures,in particular,introduced the ICBC small center center risk control model.The fifth chapter is a combination of several small micro-enterprise credit cases,the use of theoretical and practical methods to optimize the risk prevention and control.The sixth chapter is a summary and outlook,is a small micro-enterprise credit risk control summary,but also to other banking business development to provide constructive comments,and jointly promote the micro-enterprise credit science,sustainable development.