Optimization Of Credit Risk Prevention And Control Of Small And Micro Businesses Of China Guangfa Bank

With the continuous development of China's market economy,small,medium and micro-sized enterprises keep emerging and developing,becoming an important part of the entire market economy.From the perspective of China's current economic development,small and micro-sized enterprises play an important role in promoting economic development,increasing jobs and promoting innovation.With ever increasing importance of small enterprises,the state and the government is rising on its importance,start the development for small micro enterprise to provide a series of policy support,including financial support is to promote small micro enterprise development is the most important,for the development of small micro enterprise provides prophase development important money as needed.In this context,it is of great significance to study the development status and risks of the bank's small and micro loan business.Through analysis that the small micro enterprise in economic development and national policy support by the large degree of development,has become the most active factor in the market economy,thus for commercial Banks,the small micro enterprise development potential is large customer,how to develop the small micro enterprise business at the same time avoid the financial risk is the key content of the current study of commercial bank.This paper takes the case of small and micro enterprises of kunming branch of China Guangfa bank as the research object,first elaborates the relevant theories of small and micro enterprises and risk prevention and control,and then takes the credit case of small and micro enterprises of China Guangfa bank as an example to analyze the financing status of small and micro enterprises.Through the case review,we found that the credit risk prevention and control of small and micro enterprises mainly have several problems,such as unreasonable decision-making mechanism,unscientific credit risk control concept,ineffective implementation of credit system,unreasonable credit management mechanism of small and micro enterprises,low quality of credit personnel and so on.In view of the above problems,further explore the causes of the problems,so as to identify credit risk,prevention and control,the implementation of safeguard measures and other aspects of the problem solving countermeasures.