Research On Risk Management Of Credit Default In Small And Micro Enterprises

Small and micro businesses play an important role in the development of our national economy,but the financing problem has not been effectively resolved,has become a huge obstacle that small and micro businesses development,become a world problem.The formation causes of the financing difficulties of small and micro businesses are complex,there are factors of small and micro businesses operate their own development,also has the financial institutions,the microeconomic background,the national policy and information asymmetry and other external factors,these factors have different degree of Bank credit risk led to the loan risk,intensified the small and micro businesses financing the difficult problem.As for the commercial banks,small and micro businesses in the financial services sector,how to realize the organic balance in terms of cost,income and risk,it is critical issue.This paper has studied the concept of credit risk of commercial banks,the causes of credit default risk and the related management theory,combined with the characteristics of small and micro enterprises and credit problems,on the basis of the research status of domestic and abroad,summarized the current situation of credit default risk management of small and micro enterprises of commercial banks in China,such as financing characteristics as follows:deficiencies in the management of credit default risk,backward measurement methods of credit default risk,the imperfect organization structure of risk management,the imperfect management process of small and micro credit and the imperfect information system.The root of these problems lies in the asymmetric information between banks and enterprises,the diversified financing needs lead to difficult management,the external environment and related systems are not perfect.On the basis of the above research,this paper takes Bank N as an example to study the management status and process of credit default risk of small and micro enterprises.It is pointed out that the internal control of credit default risk in Bank N is imperfect,the result of rating is seriously distorted,the rating deviates,and all links in the credit process exist in the management of credit default risk of Bank N.The problems of insufficient connection and coordination,and the explosive growth of credit scale have buried hidden dangers,which are caused by internal and external factors.Finally,this paper puts forward some suggestions to strengthen the credit default risk management of small and micro enterprises in Bank N,including establishing the credit default risk evaluation system,developing the internal rating system of banks,improving the financing environment of small and micro enterprises,and strengthening the business ability of customer managers.