Research On The Small And Micro Enterprises' Efficiency Improvement Of Risk Management After Loan Of J Bank

At present,all countries in the world attach great importance to Small and micro businesses in promoting employment,stimulate the vitality of the market,strengthen social stability and other important roles.Including the J bank,the commercial banks have attached great importance to the development of Small and micro businesses credit business,small micro enterprise credit risk management has been the major commercial banks concern.But overdue loan repayment phenomenon of Small and micro businesses occurs here and there,mainly is the lack of scientific cognition of small and micro risk factors of enterprise credit,at the same time Small and micro businesses credit risk management performance has not been effectively improved.Research and practice of domestic and foreign research based on the combination of J Small and micro businesses,the bank credit risk management system construction,in-depth analysis of the main problems of J bank Small and micro businesses credit risk management and its causes,and on the basis of theoretical analysis to construct J bank Small and micro businesses credit risk evaluation calendar efficiency model.Then evaluates the loan risk management effectiveness of J bank small and micro enterprises comprehensively,and finally puts forward the countermeasures and suggestions for improving the efficiency of the credit management of the small micro-enterprise.