Study On Credit Risk Management Of Small And Micro Enterprises In FY County Rural Credit Cooperatives

With the development of economy and the progress of enterprises,small and micro enterprises have gradually become an important part of China's diversified economy.However,due to the limitations of their own development conditions,the bottleneck of capital constraints in the process of transformation and upgrading of small and micro enterprises are particularly prominent.In the face of the high threshold of commercial bank loans,rural credit cooperatives social credit has gradually become a new way of credit for small and micro enterprises.FY county rural credit cooperatives is located in FY County,northeastern Xinjiang Uygur Autonomous Region.It was founded in 1956.After the reform of relevant policies and organizational structure,it became a local cooperative under the unified leadership and management of Xinjiang Uygur Autonomous Region Rural Credit Cooperative in 2006.In recent years,with the transformation of operation and the gradual advance of credit structure adjustment,the credit business of small and micro enterprises is an important part of the sustainable development pattern of FY county rural credit cooperatives.However,the small and micro enterprises' own governance level is not high,financial management is not standardized,market competitiveness is not strong,production technology is low and other reasons,bring great risks to rural credit business.In this context,on the basis of combing the relevant theories,this paper studies the credit risk management of small and micro enterprises in FY county rural credit cooperatives,hope to promote the stable and sustainable development of FY county rural credit cooperatives.Firstly,this paper combs the problems and causes of credit risk management of small and micro enterprises of FY county rural credit cooperatives through investigation and interview,including:Small and micro enterprises' own defects lead to credit quality and credit structure to be optimized;Inadequate implementation of internal system results in a slight deficiency of credit operation and management ability;Imperfect evaluation and assessment system makes employees less active in risk prevention.Secondly,based on the existing problems of small and micro enterprises credit risk management of FY county rural credit cooperatives,combined with small and micro enterprises credit risk management typical cases of FY county credit cooperatives,this paper puts forward some suggestions from the following three aspects,which are as follows:taking the adjustment of credit structure as the starting point,promoting the continuous optimization of the quality and structure of credit assets,which mainly includes optimizing the industrial structure and customer structure,to optimize the term structure and strictly control the quality of loans;to promote the continuous improvement of credit management and management ability with the focus on the basic work of credit,the strategy mainly includes improving credit management system,improving credit rating management,paying attention to credit hidden risks,standardizing credit file management and attaching importance to credit product innovation,etc.This strategy mainly includes three paths:constructing a systematic post-loan supervision system,establishing a strict accountability mechanism and improving the evaluation and incentive and restraint mechanism.Finally,combined with the current operation situation of FY county rural credit cooperatives,the paper puts forward the guarantee measures for the implementation of credit risk management improvement strategies for small and micro enterprises,including:consolidating the foundation of Party building,strengthening the construction of talent team,promoting the construction of compliance system and strengthening the support of science and technology.On the basis of sorting out the problems existing and the causes in small and micro enterprises credit risk management in FY County,combining specific credit risk management cases.This paper puts forward corresponding improvement measures,which is of guiding significance for promoting small and micro enterprises credit business and improving credit risk management ability of FY county rural credit cooperatives.At the same time,the research conclusions of this paper have certain reference value for the credit risk management of micro-enterprises for the same industry financial institutions,and can promote financial institutions to implement scientific measures for small and micro enterprises credit risk management,which has a positive impact on alleviating the financing difficulties of small and micro enterprises and promoting the development of small and micro enterprises.