Research On Credit Risk Management Of Small And Micro Enterprises In Yichun Branch Of Postal Savings Bank Of China

With the continuous development of domestic economy and the continuous development of credit business,the risk management capability of credit business has not been effectively improved.All major commercial banks in our country regard the ability of risk management as an important indicator of bank development.Since2014,the total amount of non-performing loans of major commercial banks has been increasing continuously and has risen continuously for more than two years.Both the government and the state pay close attention to the issue of non-performing loans because it directly affects the macroeconomic stability of the country.The development of commercial banks has also encountered obstacles.At present,the rapid development of the Internet,the impact of Internet finance on the business of traditional commercial banks and the increase of financing ratio are all intensifying the competitive pressure on commercial banks.Therefore,all major commercial banks need to enhance their own core competencies,and enhancing credit risk management capabilities is an important means to enhance their competitiveness.China's financial policy of vigorously supporting the development of small and micro enterprises is that all major commercial banks fully support the implementation.However,there is not enough energy in the implementation process and it has not been able to perfectly transform from specialized large-scale enterprises to small and medium-sized enterprises.There are still many drawbacks in the risk management of small and micro enterprise credit business.Building and improving the credit risk management system for small and micro enterprises is a long-term and continuing task.To solve the plight of credit business for small and micro enterprises,we can only make concerted efforts at all levels and at various levels so as to support the development and innovation of small and micro-sized enterprises.In view of the problem of information asymmetry in the credit business of small and micro enterprises,all parties are making continuous efforts to innovate and gradually alleviating and eliminating the problem of information asymmetry by promoting credit technology,establishing a social credit system,establishing a legal society and developing Internet big data.The micro-enterprise credit business risk management system will continue to improve with the social development,evolving.This article,based on the domestic and foreign research,combined with theexperience of small and micro credit business of Yichun Branch of the Postal Savings Bank,emphatically analyzes the problems and factors that commercial banks have in the credit risk management of small and micro enterprises,Risk management control,credit risk management mechanism put forward the author's suggestion.