Research On Bank S For Its Small Micro-enterprises Credit Business Risk Management

The small micro-enterprise is an important force of national economy.It plays a very important role in stabilizing and prospering economic growth,solving and expanding employment,promoting innovation and development,satisfying people's demand for production and living.In 2014,the State Council issued a document to encourage commercial banks to take advantage of their own advantages to strengthen the financial services to small and micro enterprises,at the same time,vigorously innovate products and services,and create and develop credit products suitable for the financing needs of small and micro enterprises.With the continuous changes of national policy situation and the rapid development of small and micro enterprises,each bank began to adjust the business structure and layout,actively adjusted the credit strategy and credit institutions to promote the development of small and micro enterprises.According to the data from CBRC,the loan balance of commercial banks for small and micro enterprises has reached 28 trillion and 600 billion Yuan in the 2 quarter of 2017,an increase of 14.7% over the same period in 2016.However,because the small micro-enterprises have their own small size,vulnerable to the national economy and policies and small micro-entrepreneurs personal influence,credit information collection difficulties and higher credibility risk,for commercial banks of small micro-enterprises credit business risk management put forward a great challenge,Therefore,to improve the bank's credit risk management level is the key to the development of small micro-enterprises credit business.Firstly,this paper introduces the background and significance of the research,explains the key points of the theory,and briefly introduces the related concepts,such as small and micro enterprises,and credit risk.Then taking S bank as an example,the paper expounds the development of credit business of small and micro enterprise in S bank,introduces the product and risk management supervision system of credit business of small and micro enterprises in S bank,and analyzes the present situation of credit risk management of small and micro enterprises in S bank.The characteristics of credit risk management in small and micro enterprises are summarized.Through the analysis of the present situation of credit risk management of small micro enterprises in S Bank,the paper points out the problems existing in the three steps of credit business risk management of small micro enterprises,and analyzes the causes of the problems.In view of the problems,combined with the practical experience and relevant theories of predecessors,using the method of case study,questionnaire survey and so on,combining with qualitative and quantitative analysis,combined with the specific conditions in the area,the paper puts forward the countermeasures of credit risk management of S Bank by using relevant statistical analysis,and advances the research technology the information collection system and the credit rating system have put forward an optimization plan,and put forward the improvement measures to the Bank's loan review process,the credit supervision and inspection mechanism,the post credit monitoring and management organization structure and the credit risk early warning mechanism.In addition,in order to ensure the smooth implementation of countermeasures and recommendations,this paper put forward three aspects of security measures from human resources,compliance culture and system optimization.Finally,the conclusions of the research are summarized,and the development trend of future research is prospected.This paper puts forward some suggestions to optimize the risk management system of small and micro enterprises credit business in S Bank,which plays an important role in strengthening risk management,promoting the development of small and micro enterprises credit business and promoting the creation of economic value.At the same time,it provides a reference for the construction of credit risk system of small and micro enterprises and commercial banks,which is helpful to perfect the theoretical knowledge framework of credit risk management of small and micro enterprises of commercial banks,to solve the financing problems of small and micro enterprises,and to reduce the cost of funds.To promote the growth of small and micro enterprises play a role in promoting.