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Research On Loan Risk Management Of Small And Micro Enterprises Agricultural Bank Of China Wujiang Branch

Posted on:2019-03-15Degree:MasterType:Thesis
Country:ChinaCandidate:Q QianFull Text:PDF
GTID:2439330590993537Subject:Business Administration
Abstract/Summary:PDF Full Text Request
The development of small and micro enterprise economies is very fast.Now it has become an important part of our economy.The total number of small and micro businesses has accounted for 95% of the total number of domestic enterprises.It plays an important role in improving the economic development,ensuring the innovation of science and technology,optimizing the employment pattern and promoting the harmony of social relations.If the small and micro businesses can continue to develop steadily,it will also play a positive role in our social and economic sustainable development and even in social harmony and stability.It is undeniable that the development of small and micro businesses is also facing bottlenecks,and the lack of Multi Strategy financing has become a fundamental problem restricting its development.Nowadays,under the double pressure of the internal profit maximization and the fierce competition of the outside world,the major commercial banks have intensified their financial support for small and micro businesses,trying to break the dilemma of the current commercial banks and complete the business transformation.This paper describes the basic definition of mall and micro credit risk of commercial banks,s classification,influence factors,and the basic characteristics of small and micro credit risk theory and evaluation methods,the Wujiang branch of the Agricultural Bank of China small micro credit risk status,pointed out the problems and risk factors exist in the aspects of small and micro credit risk.Then we set up a small and micro credit risk evaluation index system which is in line with the actual situation of Wujiang branch of Agricultural Bank of China.We used AHP to determine the weight of all levels of indicators,and constructed the small and micro credit risk assessment model of Wujiang branch of Agricultural Bank of China.An index evaluation results from Agricultural Bank of China Wujiang branch of small and micro credit risk evaluation model,the loan before the survey score in the 3 indicators in the lowest only 67.31 is the weak link of the 3 parameters,and the four indexes two level indicators of customer credit rating,loan authenticity investigation,personnel quality and risk compared with other similar early warning index score low.Finally,this paper puts forward some specific suggestions on the shortcomings of the small and micro credit risk of the Wujiang branch of Agricultural Bank of China.Through optimizing and improving the Agricultural Bank of Wujiang Small and micro businesses credit risk management,and provide a theoretical and practical basis for the better development of Wujiang Agricultural Bank of Small and micro businesses credit business,provide reference for similar problems in the commercial bank and Agricultural Bank of China Wujiang more.
Keywords/Search Tags:Commercial banks, small and micro enterprises, credit risk, risk assessment
PDF Full Text Request
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