Research On Credit Risk Management Of Micro And Small Businesses

The development of small and micro enterprises in China is relatively short,since 2011 began to start,but its development momentum is fierce,just a few years in China's real economy has occupied a certain position.Small and micro enterprises in the increase in income,meet market demand,carry forward the entrepreneurial spirit,promote technological innovation,and promote economic development in the county area has played an indispensable role in small micro-enterprise financing needs.In recent years,China's government and the China Banking Regulatory Commission began to enact policies to help small and micro enterprises to finance and business development.However,limited by small micro-enterprise risk,high management costs and small business scale,in the risk management process will face many obstacles.How can the commercial banks grasp the business risks of small and micro enterprises,and how to effectively guarantee the security of credit funds in the normal business development is the subject worth exploring.The study of credit risk management in bank A branch Small and micro businesses as the research object,the various conditions for the existence of comprehensive reality,referring to more rapid development of risk management methods,advanced commercial banks and its successful experience,the research method is the combination of theories and data analysis.At present,many scholars and experts have been in the bank's credit risk research field,and achieved considerable results,on this basis,this paper in terms of risk control,the evolution path of China's commercial banks,in the field of China's commercial banks encounter bottlenecks are summarized,thus theoretically for the Bank of A branch of similar business the development of solid foundation.In this paper,the current situation of the development of small and micro enterprise credit business of A branch of Bank of communications,as well as the risk control strategy are discussed,and the disadvantages of the risk control mechanism are summarized,and the corresponding countermeasures are put forward.From the research perspective,this topic mainly involves the following several points: first,from the background,significance,ideas and methods,provides an overview of the research,analyze and summarize the credit management research status at home and abroad Small and micro businesses;next,credit risk may face to explain through the Small and micro businesses,points out the effective path of credit risk control Small and micro businesses;subsequently,the Bank of communications A as the research object,carries on the analysis to the small and micro enterprise credit risk management methods,the use of specific circumstances,andclarifies the main credit risk management,the basic situation of Small and micro businesses credit business in the bank measures,Bank of communications A in the small and micro enterprise credit risk management problems;then according to the problems in the previous chapter puts forward targeted risk management Framework;finally,the research prospect.