L Bank Research On Credit Risk Management Of Small And Micro Enterprises

With rapid development,great potential and strong growth,small and micro enterprises have rapidly developed into an important foundation and backbone of China’s social and economic development,and made great contributions to China’s GDP,taxation,economic take-off and urban and rural development.In the context of the new normal of the economy,the state has been increasing support for small and micro businesses in various aspects,such as policies and funds.Commercial Banks have also continuously strengthened their support for small and micro businesses in line with the new situation.However,it is far from meeting the needs of the increasing number of small and micro enterprises and the increasing scale of credit.At present,the resources small and micro enterprises get from financial institutions are far less than the social value they create.At the macro level,China has successively issued a number of policies and measures to facilitate the healthy development of small and micro enterprises,and vigorously advocated commercial Banks to continuously increase the targeted provision of diversified and personalized financial services for small and micro enterprises.At the same time,commercial Banks also focus on the management of credit risks for small and micro enterprises.While providing financial support for the sustainable development of small and micro enterprises,they also keep the risks under control,which not only promotes and promotes the healthy development of national economy,but also is committed to maximizing the interests of Banks.This paper takes L bank as an example,analyzes and discusses the scientific basis that L bank USES for reference in credit risk management of small and micro enterprises,summarizes the experience,finds the existing problems,and proposes improvement and optimization strategies.Firstly,this paper elaborates on the research background,significance and research status at home and abroad,and summarizes the research methods,contents and innovations of this paper.Secondly,it analyzes the characteristics and financing characteristics of small and micro enterprises,the status quo of credit risk management of commercial Banks for small and micro enterprises,and the relevant theoretical basis,which lays a solid theoretical foundation for the research and discussion of this paper.Taking L bank as an example,this paper summarizes L bank’s small and micro credit products and credit risk management process with data and charts,laying a solid practical foundation for subsequent writing.Then it mainly discusses the problems existing in L bank credit risk management and the root causes,and identifies the deficiencies so as to better propose improvement and optimization measures.Finally,the writing and research focus of this paper is to combine the characteristics of small and micro enterprises in L region,and based on the problems existing in credit risk management and control of small and micro enterprises in L bank,to propose effective measures for overall improvement in the future.In the conclusion and outlook,the thesis summarizes the arguments and prospects for the future development.This paper makes a full analysis of L bank’s problems and experience in credit risk management of small and micro enterprises,and discusses ways of innovative development in the future,hoping to provide references for L bank and other commercial Banks in improving credit risk management level of small and micro enterprises and effectively avoiding and reducing credit risk of small and micro enterprises.