Research On Credit Risk Management Of Small And Micro Enterprises In Rural Commercial Banks Of A Province

With the continuous strengthening,of China's economic strength,China's enterprises have been further developed,followed by fierce market competition.For large enterprises,there-are more liquid-funds and stronger strengths,which can lead to greater development.Small and Medium-sized Enterprises are limited in their development due to lack of funds.Compared with large enterprises,small and micro enterprises have weaker stren.gths,but many small and micro enterprises have played a major role in the growth and development of China's economy.They have provided a large number of jobs,which have increased vitality for the market and increased revenue for the country.Therefore,the state attaches importance to the development of small and medium-sized enterprises,and puts forward countermeasures against the problem of financing difficulties for small and medium-sized enterprises.Small and micro enterprise credit has emerged.Commercial banks are the lifeblood of the country's economic development,occupying a pivotal position and a favorable component of the financial market.As a effective countermeasure to solve the financing of Small and Medium-sized Enterprises,small and micro enterprise credit has received a large number of national policy support.A provincial agricultural commercial bank was formerly a rural credit cooperative.In 2016,it was reorganized into a rural commercial bank,becoming the fifth provincial agricultural commercial bank to complete property rights reform in China.In the province A,the Rural Commercial Bank has made tremendous contributions to support the development of the Iocal economy,especially in the small and micro enterprise credit business.The research object of this paper is the Agricultural Commercial Bank of A Province,which mainly studies the small and micro enterprise credit of the Rural Commercial Bank.The credit problem and a series of risks appear in the rapid development of small and micro enterprise credit,in order to solve the credit of small and micro enterprise credit.And the risk problem,this article will take the A-country Agricultural Commercial Bank as an example,analyze its current situation,find out the problems and propose corresponding solutions.Through theoretical research-and analysis of the status quo,this paper analyzes that the credit quality and risk managemen t of small and micro enterprises in Agricultural Bank of A Province are not high in professional quality,and there is no fine classification management of small and m icro.enterprise credit products.Post-loan risk management is not in place.A scientific and comprehensive credit risk assessment system for small and m icro enterprises has not been established.The problem of insufficient cooperation between the relatively backward secured mortgage moder and other financial institutions has been adopted.It is suggested that the human,resources management should be strengthened to improve the quality of employees.To fine-tune the credit products of small and micro enterprises,effectively strengthen post-lending risk managem ent,establish a scientific and comprehensive credit risk assessment system for small and micro enterprises,develop a new small and micro enterprise credit guarantee mortgage model,and carry out cooperation with financial institutions and other solutions.The measures hope to Build a complete model of small and micro enterprise credit for the Agricultural Bank of A Province,and promote the sustainable and stable development of credit for small and micro enterprises,while providing reference for other commercial banks.