N Bank Yunnan Branch Of Small And Micro Enterprises Credit Risk Prevention And Control Optimization

Enormous quantity of small and micro businesses in china played an important part of the national economy,which are critical to economic prosperity and social stability.Currently,gross industrial output value of small and micro businesses accounted for 61%of China's total economic output,and more than 57%sales,created more than 78%of the employment opportunities.As a force of national economic development,small and micro businesses play a very important role in the stable growth,employment expanding;innovation and many other ways.Small and micro businesses financing issues have also been repetitive mentioned in the State Council executive meeting.On July 2013,the State Council issued a "financial support for the implementation of small and micro businesses implementation opinions",to guide the financial "running water"efforts to alleviate the small and micro businesses financing problem.With the increasingly fierce competition in the market economy,operating problems caused by financing difficulties for small and micro businesses has become increasingly prominent.The government has introduced policies beneficial to small and micro businesses,and commercial banks have carried out credit business for small and micro businesses,increase credit funds to support small and medium enterprises to invest in economic development.Commercial banks on the one hand to enhance and develop small and micro enterprises credit business,on the other hand to implement the country's monetary policy,risk control,therefore,commercial banks to develop small micro-credit business and related business risk prevention and control research It seems necessary.The theory of information asymmetry,industrial cluster theory,enterprise life cycle theory are used as a theoretical framework in this paper.Combined with the current micro-enterprise credit practice development,to N Bank Yunnan Branch as an example,through the analysis of N Bank Yunnan branch in the current small Micro-credit business status,summed up the existing problems,combing the reasons,from the development and risk control in two aspects of the corresponding countermeasures.First of all,this paper expounds the background and significance of the study,the methods of application and the relevant theories,summarizes the actual development of small and micro enterprises credit.Followed by N Bank branch in Yunnan Province as an example,summarizes the present situation of the Yunnan branch of N bank Small and micro businesses credit business,analyzed the problems and the causes of risk management,and put forward the suggestions to optimize the Yunnan branch of N bank risk prevention and control in the development of small and micro credit business.In this paper the present development situation of Yunnan branch of N bank,analysis of the decline,Small and micro businesses exist in risk management of credit customer quality is weak,the ability to identify risk risk measure and risk control is not in place in three aspects of the problems and the causes,and puts forward the development of high-quality customers,strengthen risk identification to strengthen the risk classification and monitoring,to strengthen the four aspects of mechanism innovation to gradually improve and optimize the risk management recommendations for the N Bank branch in Yunnan province has practical guiding significance in the development of small and micro credit business development and credit risk control,has a certain reference function for the development of commercial bank small micro credit business.