Research On Credit Risk Management Of Small And Micro Enterprises Of YZ Industrial And Commercial Bank

As an important foundation for national economic and social development,small and micro enterprises play an important role in expanding employment,improving people's livelihood and increasing tax revenue,and are also important areas of commercial banking services and competition.The 19th CPC National Congress has proposed that by 2020,it will be a decisive period for building a moderately prosperous society in all respects.With the development of inclusive finance,the credit business of micro and small enterprises is growing rapidly,and the credit risk of micro and small enterprises is becoming more and more prominent.As the core entity of economic activity,banks must have a clear understanding,especially in a timely,sober,dispassionate summary and analysis of the current credit risks faced by banks,and timely introduction of the identification,selection and control of the policy,in order to achieve a comparative sustainable advantage in the comparison.This paper takes the credit risk management of small and micro enterprises in YZ ICBC as the research object.Firstly,it expatiates the credit status of small and micro enterprises of YZ ICBC,the main measures of credit risk management of small and micro enterprises,the credit quality of small and micro enterprises.Then,we find out the main problems in credit risk management of YZ ICBC's small and micro enterprises,including the three major problems such as the weak risk control ability of credit personnel,the hidden risk in the "three checks" of loans,and the relatively backward credit risk monitoring technology.Then,the paper analyzes the causes of the problem,mainly for the small and micro enterprises credit team overall quality is not high,information asymmetry,credit business internal control system is not perfect,small and micro enterprises credit risk is relatively high.Finally,aiming at the current risk management problems of YZ ICBC,this paper discusses the countermeasures to improve credit risk management of YZ ICBC.It mainly includes four measures:strengthening the construction of small and micro financial teams,improving the internal control system of credit services,strengthening the whole process management of credit services for small and micro enterprises,and innovating the means of monitoring credit risks.It is hoped that the credit risk management of small micro enterprises in YZ ICBC can be provided with some ideas for reference.