The Research On Credit Risk Management Of Small And Micro Enterprises In Bank Of HANGZHOU

Because of information asymmetry,financial Small and micro businesses,not real number and the amount of the loan is low,causing the Bank of such business single family low yield but high management costs,and according to the statistical probability of Small and micro businesses risk than large and medium-sized enterprises more in the credit risk management of the whole process,customer manager need to deal with dozens of Small and micro businesses management,often caused by our investigation is not deep enough,credit risk management is not fine before the loan.Therefore,this paper studies the credit risk management of small and micro banks.Starting from the characteristics of small micro enterprises and the general methods of credit risk management,combining the characteristics of small and micro enterprises,this paper analyzes the current situation and existing problems of small and micro enterprise credit granting.And take bank of HANGZHOU as an example to carry on the case analysis,according to the domestic and foreign experience,proposed the corresponding template management method and the improvement measure regarding the bank.First of all,this paper defines the small and micro enterprises,and analyzes the financing characteristics of small and micro enterprises.Then,combined with the related methods and theories of credit management,the characteristics of credit management in small and micro enterprises are analyzed.Secondly,combined with the actual situation of our country,this paper analyzes the current situation of credit management in tiny and micro enterprises are analyzed.Next,in combination with the country' s actual situation,this paper analyzes the current situation of credit management in tiny and micro enterprises,such as the credit management methods and measures of small and micro enterprises,and analyzes the main existing problems.This paper expounds the whole organization structure,management mode,credit management examination and the implementation of credit system,and points out the reasons for these problems.Finally,for the present situation of small micro enterprise credit management in bank of HANGZHOU is analyzed,and by combining domestic and global experience,four concrete measures are proposed to perfect the credit risk management system of tiny and micro enterprises,which are the in pre-lending,while-lending and post-lending stages,namely,establishing early warning indicators,optimizing industrial situation analysis,enhancing key indicator approval,exerting differential post-loan management,these enterprises' credit risk management system is perfected,and the improved measures and suggestions are put forward.