Research On Credit Risk Management Of Micro Enterprises In TL Branch Of Industrial And Commercial Bank Of China

With the transformation of China's economic development mode,accelerating the development of the real economy and supporting the development of small and micro enterprises have become an important task of the current economic development.In the three industries,small and micro enterprises are mainly distributed in the third industry.Wholesale and retail,residential catering,residential service and repair occupy the top four.The modern service industry and Internet plus industries maintain rapid growth,Small and micro businesses become a new impetus to expand employment and optimize the industrial structure.Under the initiative of the government,the commercial banks in various regions begin to expand the credit business of small and micro enterprises.However,affected by the current economic downturn,business risks of all industries are intensified.Small and micro businesses are hard to resist industrial risks and directly affect the production and operation.In addition,the management system of small and micro enterprises is not perfect.Commercial banks and small and micro enterprises have serious problems of information asymmetry.When commercial banks expand the credit business of small and small enterprises,they also face severe credit risks.Therefore,micro businesses based on credit business status,credit risk identification and management mechanism,Then,TL branch researches on the problems and risks of in the management of micro credit business and forwards the corresponding countermeasures.It is of great theoretical and practical significance to improve the management level of credit risk in commercial banks.This article based on the theory of commercial bank credit risk management,introduces the current production industry in Tongling city and micro businesses development status.At the same time,this paper combines case analysis method and data analysis method to analysis the system of credit risk management of commercial banks from domestic to foreign scholars.Taking the risk management of micro enterprise credit business in TL branch of ICBC as an example,this paper analyzes the problems in the credit risk management process of TL branch of ICBC and puts forward the corresponding measures.Finally,it is concluded that TL bank can strengthen the management of micro economy market through cooperation with the government.meanwhile,it is effective to reduce and prevent risk that TL branch improves the ability of to identify and controls credit risks,and pays attention to the cultivation of talent quality.It is useful to reduce and prevent risks.The innovation of this article is mainly in the perspective of research.By selecting the first batch of resource transformation cities in China as the research background and combining the Internet economy,this paper studies the risk management of online standardization micro businesses and offline specialized micro businesses.This paper is organized as follows:the first chapter is the introduction,which introduces the research background,research significance and research methods,and researches status from home to abroad.Then,this article put forwards the innovation;the second chapter introduces the concept of credit risk of micro businesses,the risk types and theory of the commercial bank credit risk management;the third chapter analyzes micro businesses development in Tongling.Then,this paper understands the macro environment for the development of credit business of micro businesses and puts forward the existing problems;the fourth chapter analyzes the reasons of micro credit business risk problem,introduced the characteristics of industrial and Commercial Bank of TL branch of the current risk management mechanism;the fifth chapter puts forward concrete countermeasures and suggestions for the problems of the risk of Small and micro businesses credit business in TL branch.Finally,the sixth chapter is the summary of the full text,and put forwards the prospect of the research.