Study On Credit Risk Management Of Small And Micro Enterprises In YC Rural Commercial Bank

With rapid development of our social economy and intensification of financial market competition,the issues are presented on the credit risk management scheme design and implementation strategy of small and micro enterprise of rural commercial bank,attached more and more attention by people,and has gradually become an important problem to be solved.In view of the credit risk management scheme design and implementation strategy,with credit risk management scheme of YC rural commercial bank small and micro enterprise as the research object and the latest research results domestic and overseas for reference,given full consideration to the current situation of the credit risk management scheme of YC rural commercial bank small and micro enterprise,in-depth research was carried out on the credit risk management scheme design methods and implementation strategy,which solved problems on the credit risk management scheme design and implementation strategy,and promote the effectiveness of the credit risk management scheme design and implementation strategy.As complicated system engineering,the credit risk management scheme of YC rural commercial bank small and micro enterprise is a new problem presented during China's rapid economic development.In order to realize scientific development design and effective implementation of YC rural commercial bank small and micro enterprise credit risk management scheme,research direction and key point of the paper were determined,on the basis of literature review and the analysis of the basic theory,by analyzing the current situation and the environment of the credit risk management scheme of YC rural commercial bank small and micro enterprise.Rural commercial bank small and micro enterprise credit risk management scheme design and optimization was focused on through a variety of effective methods,and a scientific,comprehensive and easy-to-implement system scheme was formed,which includes contents of the credit risk management goals,selection of the way and emphasis of rural commercial bank small and micro enterprise credit risk management,scheme implementation steps and main methods,and etc.Specific implementation strategy formulation of rural commercial bank small and micro enterprise credit risk management scheme was analyzed,combined with actual situation of the credit risk management of rural commercial bank small and micro enterprise,which promoted continuous improvement of the research results.Research tasks have been completed and expected research target has been obtained through the research in this paper.The research results are of great theory significance and practice value in theoretical system improvement,optimization of rural commercial bank small and micro enterprise credit risk management scheme design,effectiveness promotion of the implementation,and realization of the sustainable development of the credit risk management of YC rural commercial bank small and micro enterprise.