Small And Micro Enterprise Loan Risk Control Research Of LP City Commercial Bank In Xuzhou Branch

Small and micro enterprises are an important part of market economy and play an important role in the stage of economic development.However,financing difficulties have always been an obstacle to the development of small and micro enterprises.The financing difficulties of small and micro enterprises are determined by such factors as small assets,poor financial situation and weak credit awareness.These factors are known as restrictions on their access to bank loans.In order to reduce the risk of bad debts and alleviate the financing difficulties of small and micro enterprises,it is necessary for commercial banks to strengthen the credit risk management of small and micro enterprises.Credit risk management of small and micro enterprises can effectively formulate and implement risk prevention and control strategies for commercial banks to improve the degree of credit management of small and micro enterprises,promote the safety of credit funds,and promote the efficiency and enthusiasm of business processing.In recent years,the rapid development of the industry has made competition more intense,and some commercial markets have appeared saturation phenomenon.In this context of industrial development,the development strategy of commercial banks has also been adjusted.One of the important adjustments is to strengthen credit support for small and micro enterprises,and to improve the efficiency and speed of loan business for small and micro enterprises.In addition,there are many risk factors of small and micro enterprises,as well as many problems and shortcomings of small and micro loan commercial banks to control credit risk,which have directly affected the credit risk of small and micro enterprises,making the risk relatively high.To a certain extent,this weakens the profitability of commercial banks and restricts the development of small and micro enterprises' loan business.This paper studies the problem of non-performing loan risk control in small and micro credit business of LP city commercial banks.This paper analyzes the status quo of small and micro loan business risk management problems of small and micro loan business of LP city commercial bank,and finds out the problems existing in the current risk management process of small and micro loan business of the bank.And then the paper analyses the cause of these problems lead to bad loans and the specific reasons,put forward the LP city small loan business of commercial bank risk control scheme and its implementation measures,including establishing perfect small microenterprise organization management system,strengthening the management before,during and after lending,and improving the credit rating system of small and micro enterprises and the quality of the small micro enterprise credit professionals.It is hoped that the improvement will have an obvious effect on reducing the non-performing loan ratio risk of the small and micro credit business of LP city commercial bank,and thus bring the bank's growth in operating efficiency and good social effect on promoting the improvement of the financial support environment for small and micro enterprises.