Researches On Credit Risk Management Of Small And Micro Business Credit Loan Of Minsheng Bank K Branch

As the pioneer and leader of domestic micro financial services,China Minsheng Bank has adhered to the service entity economy as the starting point and the ending point of its work since 2009.From the current business data,such as loan and settlement of small and micro businesses,the economic situation of the whole society is improving,but the demand for funds of small and micro businesses cannot be satisfied.As a financial institution,Minsheng Bank is strategically positioned as the first choice bank for small and micro businesses,and it promotes the small and micro financial strategy and vigorously develops inclusive finance.In the face of increasingly complex environment,how to identify small micro enterprise credit risk,how to control the small micro enterprise credit risk,whether for small micro enterprise and bank benign and healthy development of the has very important significance.Based on this,this paper discusses the credit risk management of small and micro enterprises.Firstly,the research background,research significance,domestic and foreign research status and research contents and methods are analyzed and the research of this paper is briefly introduced.Secondly,based on the theory of credit risk management of small and micro loans,this paper introduced and analyzed the credit risk management status of small and micro loans of Minsheng Bank K branch.Then based on the 5c judgment method and logistic regression analysis model,small micro loan credit risk factors are identified and researched,the factors that affect small micro loan credit risk were deeply analyzed,and through the operation and test of the model,three influential factors were eventually found;Finally,according to the above analysis results,the corresponding countermeasures are put forward in six aspects,including the pre-loan investigation,the review of the loan,the effective post-loan management,the reform of the assessment mechanism,means of disposal of troubled assets,risk management model and the summary of the paper.