Research On Credit Risk Managemant Of Small And Mirco Enterprises Of J Bank

All the time,Micro-and small enterprises financing difficulty issue always one of the difficult problems for Chinese economic development.Thus,our government issued policies for many times to stimulate and guide the bank credit capital to micro and small enterprises which also gained some effectiveness.But recently,with the down pressure economic influence,adding micro and small enterprises' weak risks resistant abilities,imperfect management system and high financing cost,micro and small enterprises did not receive the expected effects after applying the loan transaction.Meanwhile,the risk of bank reject ratio for loan is gradually showing up.Currently,bank's urgent affairs include not only to improve the credit volume but also to manage the loan risks for micro and small enterprises to ensure credit funds security and maintain steady operation.The author makes the summary for commercial banks loan businessrisks management abilities at the beginning and comes to conclusion the various theories by home and abroad commercial banks' loan business risks treatments.Then,he extensively borrowed the materials to provide the theories for guiding.Combining J bank experiment data,he analyzes for J bank's loan business risks for current stage.As well,he also found out the fundamental issue for these problems and further analyzes the main problems for existing management measures.By virtue of the researches for above fields,targeting to J bank current business loan risks and management issues,the author provides seven policies and suggestions for improve J bank's loan risk management.Firstly,he further improves organization structure;then,the paper presses ahead the improvement and update for micro and small enterprises feature products.The third part is about developing the credit ranking system for micro and small enterprises.Forth,the paper discusses to enhance the micro and small enterprises'management abilities after loan.For the next part,it establishes the business admission standards aiming to micro and small clients.And then,it is about how to reinforce multiple assets security measures' application.Finally,it demonstrated to establish and perfect the responsible identification mechanism for micro-small enterprises' bad loans.