The Research On Internal Control Of Small Micro Enterprise Loan Credit Risk In J Rural Commercial Bank

At present,small and micro enterprises have become an important part of China's national economy and are called the most active cells in the market economy.However,small and micro enterprises tend to have less capital,small scale,unreasonable governance structure and high credit risk.It is hard to get bank financing on its own,and small and micro businesses are struggling.If the bank set at the same time increase the size of the new small micro credit can do a little micro loan credit risk internal control,then the bank can not only a breakthrough in the small credit business,micro and small enterprises financing difficult problem can be solved.In this paper,thus to explore the bank small micro enterprise credit risk,the bank small micro enterprise loan credit risk control,help small micro enterprise loan business development,therefore has the practical significance.J bank is by rural credit cooperatives reform,since the shareholding system reform,the bank actively perfect the corporate governance,to establish and perfect the internal control system,strengthen and standardize the internal control,internal control responsibilities clearly,strengthening internal control,improve the management level and risk control ability,realize the benign,healthy development.But,as the loan scale expands unceasingly,more and more complex internal structure,combined with domestic and international economic situation is grim,bank internal control is faced with new demands and challenges,for a long time some weak links and deep-seated problems of credit management problems to be studied and solved.Small micro enterprise credit of systemic risk is more outstanding,this is unavoidable and change,the bank only to improve their risk management level,make credit business internal control in order to better reduce the small micro enterprise credit of systemic risk.In order to achieve the purpose of writing this article,based on the literature review method,combining theory with practice and case analysis of J bank small micro enterprise credit risk internal control accordingly,discourse analysis,first of all,through the literature review method through the small micro enterprise loan credit risk internal control information,combing enterprise loan related theory of internal control,to build the corresponding theoretical basis of this essay.Second is for J bank small micro enterprise credit risk internal control present situation carries on the detailed analysis,for J bank's entire operation present situation,the small micro enterprise loan product content and small micro enterprise internal control construction and implementation present situation analysis,a comprehensive understanding of J bank small micro enterprise loan status,discusses the realistic foundation for later.Finally,combined with relevant theoretical knowledge and opinions of themselves,at the same time analysis of J bank internal control present situation,the small micro enterprise loans found it in the small micro enterprise credit risk internal control problems,and puts forward strengthening the internal control environment improvement,improve the system of risk assessment notice to credit evaluation,pay attention to credit risk and solvency risk prevention in the internal control,internal control,information channels broaden information level optimization and implementation of internal supervision and evaluation and improvement such as rationality of correcting Suggestions,makes J bank small micro enterprise credit risk internal control can be implemented effectively,improve the quality of J bank small micro enterprise loan letters,to promote its development.