Research On Credit Risk Control Difficulties Of Small And Micro Enterprises Of Commercial Banks

In the current economic development process in China,the economic status and market share of small and micro enterprises have reached a rather convincing position.The difficulty lies in the relatively large resistance of financing work.This problem has not been solved effectively yet,and it has even highlighted its threats worldwide.From an objective point of view,it is a variety of positions,and the different types of factors of multiple dimensions play a role at the same time,which has led to the problem of small and micro enterprises facing the difficulty of credit financing business and the resistance.Of course,it includes a series of factors such as the company's own positioning from the enterprise to the development strategy,as well as the support policies of financial institutions,the current world economic development context,the national monetary policy and the poor information of bank enterprises.The above problems are often the main incentives for financial institutions to increase credit risk,which indirectly increases the diffculty of small and micro enterprises in credit financing.Based on the operating principles of commercial banks,it is the most critical issue in the financial service threshold of small and micro enterprises to minimize costs,avoid risks and increase profits,so as to achieve a cost-effective optimal solution while balancing them.one.For China's economic development process,reform and opening up is an important node,and it is also a pioneering policy to guide and lead the financial industry to flourish and greatly increase the speed of development.In this context,all sectors of society have begun to pay attention to the level of risk control by commercial banks,and it has become a core issue affecting the foothold and development of commercial banks.In the research on the process of commercial banks' credit financing business for small and micro enterprises,we have high requirements for the accuracy of the relevant business models and growth profiles.Because this attribute is not only the health of the development model of the relevant companies,but also the objective level of the translation of the bank's risk assessment and control ability is sufficient to support the security of its investment.This paper studies and draws on the research theories and experimental examples of risk control in the process of credit financing between domestic and foreign commercial banks and small and micro enterprises,taking into account the current situation of domestic commercial banks' risk control level,and using Agricultural Bank A as this time.The research object deeply analyzes the development status and difficulties of small and micro enterprise credit financing.This paper systematically summarizes the problems and solutions in the process of risk control work done by domestic commercial banks for small and micro enterprise financial services.To provide small and micro enterprises with the most reliable theoretical support for achieving cost-effective solution optimal solutions in the credit financing process.