Research On Credit Risk Management Of Small And Micro Enterprises In Bank Of Guiyang

As the lifeline of China's economy,small and micro enterprises are the basic cells of China's economy,small and micro enterprises are unstable,and the macro-economy is hard to improve for a long time.At the end of 2017,the contraction of credit scale caused small and micro enterprises to increase the difficulty of financing in the financial system,and the cost of obtaining financing through private lending was "rising steadily".Improving the risk management level of small and micro enterprises' credit business is of great strategic significance not only to the development of commercial banks,but also to the solution of the "difficulty of financing" in small and micro enterprises,the value of small and micro enterprises and the development of our country's economy.As a pioneer of small and micro credit business in China,the Bank of Guiyang will serve small and micro enterprises as an enterprise implementation strategy and actively explore the financial support for small and micro enterprises.This paper,taking the Bank of Guiyang as the research object,summarizes the problems and experiences of the small and micro credit business of domestic commercial banks at the present stage.The full text is divided into six parts: the first part is introduction:the second part mainly introduces the definition of small and micro enterprises and the present situation of small and micro credit business and risk management.The third part takes the Bank of Guiyang as an example to explain the present situation of the development of small and micro credit business and the related risk management status: the fourth part analyses the small and micro Bank of the Bank of Guiyang.The problems still exist in the rapid development and innovation of credit risk management.The fifth part is based on the above problems to put forward the risk management model and optimization strategy suitable for the development of small and micro credit business in Guiyang bank.The sixth part is the summary of the article.Research conclusion: Guiyang bank needs to strengthen the internal rating management of credit business of small and micro enterprises,and establish an independent credit rating model for small and micro enterprises.At the same time,the customer service is regarded as the management idea,the product innovation mechanism is perfected according to different types of customers,the products suitable for different types of customers are developed,and the credit risk of small and micro enterprises is prevented from the end of the product.Only according to themarket situation and the characteristics of small and micro enterprises,the Bank of Guiyang can adjust the business model of small and micro credit business in time,improve the system construction of small and micro credit business,and through strict process tracking and incentive assessment mechanism,establish a development model adapting to the credit characteristics of small and micro enterprises,and find and improve the existing problems,small and micro.The credit business will expand rapidly at the same time that the risk is controllable,and provide useful experience for the small and micro enterprises in the same industry,and gradually form their own operating characteristics and competitive advantages.