Research On Credit Risk Management Of Small And Micro Enterprises In Shenzhen Branch Of H Bank

With the acceleration of China's integration into the global economy,due to the impact and impact of the international market,the growth rate of the real economy has dropped sharply in recent years,and the transformation of the economic development mode is imminent.In 2016,the differentiation of China's real estate market intensified,the price of house prices in the second line cities rose rapidly,and the three or four line still needed to go to stock.With the continuous development of online business,consumer behavior and scene change,the business entity is difficult and the commercial chain closed shop,rent,rent may continue for a long time.At the same time,new commercial real estate projects continue to fall,commercial diversion,competition intensifies,the state's commercial real estate regulation and control measures continue to be added.Because real estate and related industries have always been the main support for banks to directly and indirectly put credit funds,banks have always been highly vigilant against the risk of the real estate market.The stable development of banking is related to the healthy development of China's real economy.It will also be an important cornerstone of China's economic structure reform and transformation,and also a powerful guarantee and backing for China's construction of a harmonious social security.Under the background of current "new normal" era,upgrading and transformation of banking industry is imminent.Characteristics,differentiation and refinement have become common terms and labels of many banking innovations.The business scope of commercial banks is single,homogeneous competition leads to lower bank risk management mode of sacrifice,the bank non-performing loans and non-performing rate soaring,credit risk crisis appeared very large,the author also is in this environment to the H Bank of Shenzhen branch of Small and micro businesses credit risk management research.In order to make this article more practical,I start from the small credit business of H bank Shenzhen branch,and further understand its credit business development status,find out the causes of the loan business risk,and find out the countermeasures and strategies through analysis.This paper consists of three main points.The first point is to understand the research status quo of risk management at home and abroad,to find out the causes and Countermeasures of risk management,and to make a theoretical foundation for this paper.The second point is to analyze the current situation of credit risk management for H bank small and micro businesses.It mainly focuses on the internal and external risk factors in the credit process,and analyzes the causes and problems from the aspects of bank manpower construction,risk management system and internal control culture.The third point is to develop risk management and control measures in several aspects,such as the construction of human resources,the cultivation of the risk culture,and the improvement of the risk management system.This paper is mainly to find the problem,analyze and solve the problems of "thinking as a guide,reference literature reference,combined with field survey,data statistics,comparison,case analysis and other methods to study,hope that through research to help Shenzhen branch of H bank small micro credit business to enhance risk management and promote stability the purpose of business development.