Research On Credit Risk Management Of Small And Micro Enterprises In H Agricultural Commercial Bank

And the role of Small and micro businesses in the national economy has become increasingly prominent,but because of the scale of strength of small,business management is not perfect,poor risk,easy occurrence of moral hazard,Small and micro businesses to obtain large bank financial support.At the same time,China’s rural commercial banks because of its low loan requirements,simple procedures,the rapid development of small and micro enterprise credit.However,in recent years,with the economic new normal arrival,by overcapacity credit risk Small and micro businesses to fully exposed,agricultural firms Small and micro businesses credit bad loans and non-performing loan ratio increased rapidly,it also shows that agricultural firms in Small and micro businesses credit risk management has many loopholes,problems and shortcomings.There is an urgent need to improve the Small and micro businesses credit risk management,to prevent commercial bank risk even greater financial risks.In this paper,H rural commercial behavior research object,on the basis of the existing research,through field investigation and analysis of financial data,find out the Small and micro businesses credit risk and the causes,status quo of credit risk management and the existing problems,suggestions are given in the end the credit risk management of agricultural firms Small and micro businesses of H.The first chapter is introduction;the second chapter expounds the theoretical foundation,agricultural firms and Small and micro businesses related theory;the third chapter is the analysis of H rural commercial Small and micro businesses credit business,first elaborated the general situation of H agricultural firms,then analyzes the basic situation of the credit business,including the total amount of non-performing loans and credit business special credit products,and finally analyzes the H rural commercial bank Small and micro businesses credit business management,including management organization and credit business process;the fourth chapter is the H rural commercial bank Small and micro businesses credit risk management status and problems,firstly expounds the objectives and mechanisms,the credit risk management of H rural commercial bank Small and micro businesses.Organization and management of credit business process,then expounded the H agricultural firms Small and micro businesses credit business risk management in the management of the organization structure,customer access,credit risk rating,Credit business risk control process,loan examination and approval system and loan management,and other aspects of the problem;the fifth chapter is the H agricultural firms small and micro enterprise credit risk management countermeasures and suggestions;the sixth chapter is the conclusion.Through the study of this paper,not only promote the healthy development of H agricultural firms,but also provide a reference for the small and micro enterprises credit risk management of rural commercial banks.