Study On Credit Risk Prevention And Control Of Small Micro Enterprises Of Henan Post Reserve Bank

In recent years,with the development of social economy,micro and small companies are increasingly important in national economy of our country.However,the financing difficulties of micro and small companies have been yet to be solved.As the implementation of the government departments to encourage and intervention policies,as well as the financial industry competition intensifies,leaves a small micro enterprises as the financial institutions to enter the field in our country,our country's financial institutions have stepped up to the small micro enterprise financing,the business scope for the development of small micro enterprises provides a good platform of funds.Since its inception has been based on the post office bank services to agriculture,rural areas and farmers and the urban and rural residents,in the development of small micro enterprises play a very important position,the Henan province is China's population and agricultural province,so the post office bank of Henan branch in small micro enterprise financing is a long way to go on the road,in expanding bank small micro enterprise credit business at the same time,the bank's non-performing assets ratio are also rising,the prevention and control of the bank credit risk problem is increasingly significant.Based on the domestic and foreign financial institutions in recent years on the small micro enterprise credit risk prevention and control,on the basis of the results,to the post office bank branch in Henan province in recent years small micro enterprise credit risk prevention and control of the problems are summarized and analyzed,on how to further the prevention and control of small micro enterprise credit risk problem is studied.First,on the basis of analyzing the factors affecting the credit risk of small and micro enterprises of Henan Provincial Branch of the First Postal Savings Bank,a credit risk assessment system for small and micro enterprises of the Henan Provincial Branch of the Postal Savings Bank was constructed;secondly,the weight of each index was determined using the analytic hierarchy process;Taking the XY branch and G loan companies as examples,the credit risk assessment values of the G loan companies are calculated;finally,the prevention and control measures for the credit risk of small and micro enterprises must be implemented and the entire process supervision must be implemented,from the pre-lending to the post-lending aspects.The idea of credit risk prevention and control must be run through and implemented.After the loan,the soundness of the riskwarning mechanism should be strengthened and the independence of the post-lending management department and personnel should be maintained.