Research On Credit Risk Management Of Small And Micro Enterprises In G Bank Jiangxi Branch

Since the 1990 s,China's economy has entered a period of rapid development.Small and micro enterprises have contributed to China' s economic development.According to the National Bureau of Statistics,more than 90% of companies registered in China are Private small and micro enterprises,which provide more than50% of the tax payment for the country,provide more than 80% of urban employment in the country,and play an important role in promoting economic development and alleviating social conflicts.Under the background of China's economy entering a new normal development,small and micro enterprises have weaker anti-risk ability in response to the downturn economic environment and complex market competition.At the same time,small and micro enterprises have unstable operating conditions,low financial transparency,and irregular financial management.The general problem has produced more non-performing loans,which has adversely affected the bank's development of small and micro enterprise loans.Although the government management departments and banking regulatory authorities have continuously introduced relevant regulations to promote small and micro enterprise financing,in the current market environment.The problem of financing difficulties and financing for small and micro enterprises is still one of the main problems that restrict the development of small and micro enterprises.A large number of small and micro enterprises are restricted to a narrow financing range,and the development speed and development potential are greatly restricted by financing.Based on the research literature and in-depth investigation,this paper analyzes the current situation of credit risk management of small and micro enterprises in China,and discusses and analyzes the status quo and risk management strategies of small and micro enterprises' credit business with the example of G Bank's Jiangxi behavior.Propose the corresponding risk management strategy for small and micro enterprise credit business.The study found that the credit risk of small and micro enterprises mainly exists in the pre-lending investigation,risk rating system,loan issuance,post-loan management,etc.In order to strengthen the bank's risk management for small and micro enterprises,it should improve the risk identification ability and improve the risk.The rating system,improving the experience and quality of the approving personnel,and improving the post-loan management system are improved.