| Small and micro enterprises have always played an important role in China's national economic system,in the form of institutional reforms,model innovations,employment opportunities for labor and social harmony and stability.However,the financing difficulty of small and micro enterprises has not been solved.With an economic downturn in recent years,a concentrated outbreak of economic risks occurs in some industries and regions.Under such circumstances,the high-risk characteristics of small and micro enterprises emerged,and the banks have suffered considerable losses,so the risk control mechanism of the credit business of small and micro enterprises has become the most important guarantee for their business development.In order to better summarize the existing specific issues in the risk control of Min-sheng Bank's micro-enterprise credit business,this paper combined the risk control theory with the actual case of Beijing branch,analyzed risk control measures in the process of small and micro enterprise credit business,and pointed out its problems in the risk control work,and carried out a comprehensive analysis and research on these issues.Aiming at the specific problems in the risk control of small and micro-enterprise credit business of Min-sheng Bank Beijing Branch,such as business access,risk control process and differential management for small and micro enterprise customers,and credit product innovation for small and micro enterprises,this paper put forward relatively sound suggestions,for instance,establishing a sound credit reference evaluation system,improving credit business processes for small and micro enterprises,innovating bank products,and providing differentiated services.It is hoped that this paper can help other banks in the same industry.At the same time,this article hopes to provide certain reference for future scholars to research the risk control of commercial banks' small and micro enterprise credit business. |
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