Research On Credit Financing Business Risk Management Of Small And Micro Enterprises In Weifang A Bank

In China's rapid economic development stage,small and micro businesses need a lot of capital to maintain their own business development.There are few channels for small and micro businesses to raise money.Small and micro businesses still face a lot of credit problems for financing large sums of money.The main source of credit financing for small and micro businesses is commercial Banks.Small and micro enterprise credit financing business is one of the main businesses.The bank strengthens the risk management of this business;it is the core work of commercial bank management.For commercial Banks,all kinds of risks in the credit financing business of small and micro enterprises should be taken seriously and strengthened.These risks will directly affect the bank's own operating efficiency and capital utilization efficiency guarantee.In many commercial Banks that carry out the credit financing business of small and micro businesses,managers have realized the harmfulness of risks and have taken many effective measures of credit financing risk management.However,they have a large risk of credit financing in actual operation.These events lead to the delay in the withdrawal of funds.Moreover,the bank's expected economic performance targets have not been met,or even become bad loans.This will not be conducive to the long-term sustainable development of commercial Banks and the realization of operating benefits.Under such conditions,it is necessary to strengthen the research on risk management of credit financing business of small and micro enterprises in commercial Banks.This paper chooses Weifang A bank small and micro enterprise as the research object,mainly studies its credit financing business and risk management.On the basis of investigation and research,this paper analyzes the current situation,problems and causes of business risk management.This paper draws on the main experience offoreign Banks to strengthen credit risk management,and puts forward some countermeasures and Suggestions for improving risk management.This article includes the following core chapters.Mainly include: first,in a systematic analysis and summary about the credit risk management related research results at home and abroad on the basis of the characteristic,summarized the research analyzed the small micro enterprise credit financing related theory of business risk management.The main theories proposed in this paper include information asymmetry theory,credit rationing theory and bank risk management theory.Secondly,on the basis of investigation research,this paper analyzes and sums up the Weifang bank of A small micro enterprise credit risk management present situation and the problems of financing,think specifically set up small micro enterprise credit financing business risk management,improve the small micro enterprise credit financing business loan pricing system,was designed and introduced in view of the small micro enterprise credit financing products.However,this paper finds that the main problem is that the imperfect organization of credit risk management,the imperfect credit risk management system and the methods to evaluate credit risk need to be improved.Then,this paper analyzes the causes of the risk of credit financing business of small and micro enterprises in Banks from the perspective of internal and external perspectives.Then the risk of organizational management,system management and evaluation management are identified,and the risk status is evaluated by the fuzzy comprehensive evaluation method based on AHP.Thirdly,this paper analyzes the experience of commercial Banks at home and abroad on the risk management of credit financing in small and micro enterprises.This paper mainly analyzes the American community bank,Sumitomo Mitsui bank and China Minsheng bank.This paper argues that the main experience are: pay attention to the enterprise credit risk management information system construction,strengthen the dynamic management of the enterprise credit financing risk,highlighting the role of bank governance structure in credit risk management,internal risk culture attaches great importance to the organization and management consciousness cultivation.Finally,according to the results of the credit financing risk assessment of the small and micro enterprises in the A Bank of Weifang City,the concrete countermeasures are put forward in view of the risk factors of large comprehensive weight value.