The Study On The Credit Risk Of Small And Micro Businesses Of C Bank

With the acceleration of globalization,China's national standard of living has been greatly improved,and enterprises are growing stronger and stronger.And for the needs of people's investment and the better development of enterprises,enterprises often borrow from banks and form credit relationships with banks.However,the outbreak and fluctuation of the financial crisis will also have a significant impact on the financial industry.The sustainable development of commercial banks is inseparable from the good credit market environment,and plays a great role in promoting social harmony and economic development.Therefore,China's commercial banks must strengthen the risk management of credit business,sort out their bank credit risk management norms and processes,and ensure the healthy development of China's banking credit business.The object of this thesis is mainly responsible for the Construction Bank C in the C region of the financial business activities,C bank has long been committed to the development of small and micro enterprises credit,mainly small and micro financial products are "loan growth" and "a ticket","branch loan" and "financial","business loan," the knot is high "," silver tax "and more than 10 kinds of products.The company has also paid great attention to the credit risk management of small and micro enterprises,attaches great importance to risk prevention,formed a set of more scientific and standardized system of risk management,risk analysis,risk assessment,risk is known to have system of standardized and strict requirements,but with the changing of internal and external financial markets at home and abroad the C bank credit risk management in the company,there are also some problems,how to improve the level of credit risk management Small and micro businesses,ensuring the C bank management quality,is an important challenge facing the Bank of C,this article is in this context,to carry out the related research.This paper introduces the C bank credit risk and issues related to the research background,purpose and significance,the Small and micro businesses,credit risk,credit risk management concept,and based on the theory and practice of credit risk in domestic and abroad,summarized the domestic and overseas in recent years of credit the risk management research,laying a solid theoretical foundation for later research.Secondly,from the micro enterprise credit status,loan size,loan structure,credit quality and other aspects of the analysis on the current situation of C bank credit business risk management,proved the more obvious,the internal risk management deficiencies,risk points and problems timely control of lack of risk concentration situation of C bank credit risk management however,the causes of these problems mainly include C bank Small and micro businesses credit,loan before the survey is not responsible,after the loan review provisions is not perfect,to your own bank account manager daily management and business training is not in place,the risk assessment and evaluation system is not perfect.In order to solve these problems,proposes the optimization strategy of C bank credit risk management,including the main measures to strengthen the loan before the survey,prudent credit loans,strengthen Small and micro businesses post loan management,make customer exit plan,optimize the process of credit risk management and training work,optimize the credit risk management process,strengthen the organization of training work early warning model.I hope that through this study,to solve the existing C bank credit risk problem fundamentally,improve the credit risk management ability and level,so as to improve customer satisfaction and loyalty,to attract more customers,to achieve the sustainable development of C bank,improve its market competitiveness.