Credit Risk Assessment And Response To Small And Micro Enterprises In M Banks

M bank as China's major private capital established commercial banks,first proposed in the domestic banking sector in the development of small and micro business credit strategic thinking,and in a few years will be small and micro businesses do full of sound and colour.In order to ensure the healthy development of small and micro enterprises,M bank has developed a lot of credit products for small and micro enterprises to support the development of small and micro enterprises.However,due to the unstable characteristics of small and micro businesses,the risk control of commercial banks' lending to small and micro businesses has been a difficult problem in the development of small and micro businesses.Small and micro enterprises are prone to produce bad loans and then make commercial banks face the crisis of credit risk.With the structure adjustment of the small and micro business of M bank,the development of its small and micro credit business will face new risks and problems.Through the evaluation of M bank credit risk,we will assess the risk types that M banks should pay attention to and propose corresponding countermeasures.This will provide a reference for M bank's future business development.In this paper,Small and micro businesses credit risk theory as the research foundation,first of all,on the banks of M Small and micro businesses development and products are introduced;secondly analyzes the credit risk assessment model of M bank's existing Small and micro businesses and the existing problems of credit risk and points out the related reasons;third,according to the relevant data of M bank,small and micro the enterprise and the bank itself analyzes the risk types of M bank Small and micro businesses credit business.By testing the data of M bank Small and micro businesses credit risk using the Logistic model,the M bank credit risk conclusion,and put forward the risk countermeasures according to the characteristics of M bank Small and micro businesses credit business,including the strengthening of guarantees and collateral management,optimize the credit guarantee,credit rating and other measures.The operational risk of small and micro enterprises is evaluated through risk structure.It is concluded that operational risk is also a risk that M bank should pay attention to.This is the conclusion that internal causes lead to 59.03% risk and 40.97% external risk.In view of the causes of the problem,M bank should strengthen the implementation of internal control,and establish relatively independent small and micro businesses after loan management system.Through the analysis and evaluation of M bank's popularity index,it is confirmed that M bank has enough liquidity to ensure the development of small and micro businesses,but there are also problems such as lack of liquidity and poor management.Therefore,we should improve liquidity management system and continuously improve credit products.