Research On The Risk Management Of Small And Micro Credits In Oriental Rural Commercial Bank

As a local bank,rural commercial banks are generally restructured from rural credit cooperatives.Their main target is local residents and small and micro enterprises.An important responsibility is to support small and micro enterprises through credit and promote the development of local economies.However,due to the relatively small scale of the operation of rural commercial banks,the small and micro enterprises serving themselves are small in scale,the product technology content is not high,the market competitiveness is not strong,the risk resilience is weak,and the credit concept is not strong,resulting in rural businesses.The Bank's micro-enterprise credit business risk is generally high.With the continuous deepening of China's financial system reform,the continuous expansion of the financial market,financial supervision continues to strengthen,rural commercial banks will face increasing pressure.Therefore,how to strengthen credit risk management and protect credit security while developing service-related financial services is an important practical issue facing rural commercial banks.In order to improve the level of small and micro credit risk management of rural commercial banks,it is necessary to establish a sound credit risk management framework system.This architecture system is not a one-off system,but must be based on the company's own situation and changes in national policies.Constantly updated and formulated.Therefore,the current problems of small and micro enterprises still remain many problems,such as low financing needs,high financing costs,difficult to prove credit status,and less mortgage security measures,while rural commercial banks,the main commercial institution for loans for small and micro enterprises,only have Finding practical improvement measures can improve the risk management level of rural commercial banks.This has important implications for promoting local economic development and building a harmonious society.This dissertation uses literature review,case analysis,and investigation and research methods.Based on in-depth study and reference of Chinese and foreign literature,it uses commercial bank credit risk management theory as a theoretical support,and in China's rural commercial banks,small and micro enterprises credit business and overall risk management.Under the premise of profile analysis,we selected Eastern Rural Commercial Banking as the research object,and through the investigation of the current status of the credit risk management of small and micro enterprises,and through the comparison with Shanghai Rural Commercial Bank and Nanjing Bank as a city commercial bank,the quality of their loans was analyzed.The ability to control,resist risks,and their revenues,proposed suggestions for improving the credit risk management of the Oriental Commercial Bank:including improving the credit mechanism and developing a more proactive marketing model,constantly enhancing the overall quality of personnel,and strengthening internal and external supervision.