Research On Credit Risk Management Of Small And Micro Enterprises Of Shanghai Pudong Development Bank Zhengzhou Branch

Since China's reform and opening up,small and micro enterprises have played an increasingly important role in the market economy.On the one hand,small and micro enterprises are an indispensable foundation for the stable development of the national economy.On the other hand,they are the key channels for enriching the people's entrepreneurship.They are more important in terms of increasing employment,raising income levels,maintaining national stability,and ensuring taxation and market economy.The influence,but affected by many factors,the problem of financing difficulties for small and micro enterprises has become more and more prominent,which has caused the development of small and micro enterprises to break the capital chain,and the normal business activities of enterprises are limited.As the speed of financial market reform continues to accelerate,interest rate marketization has entered a new stage of development,and the financial market system has gradually matured.Under the influence of the government,the target customers of commercial banks have undergone major changes,and large enterprises have gradually developed to small and medium-sized enterprises.In particular,small and micro enterprises,the purpose of doing so is to meet the requirements for the growth and expansion of credit business of commercial banks.In the process of conducting credit business,commercial banks will certainly face certain credit risks.This is inevitable.The management and financial systems of small and micro enterprises are not standardized and perfect,and there is information asymmetry,so their credit risk The coefficient is actually large,and commercial banks are facing great difficulties in risk management of small and micro enterprises.Therefore,it is imperative to study how to improve the risk management level of small and micro enterprises.This paper mainly analyzes the current situation of credit risk management of small and micro enterprises in Zhengzhou Branch of Shanghai Pudong Development Bank,and designs and issues questionnaires to further study the survey data,so as to better understand the actual situation of credit risk management of small and micro enterprises in the bank and the existing Insufficient,on this basis,in-depth study of the bank's small and micro enterprise credit risk management system,and strengthen the internal control system of credit risk management,improve the professional quality of small and micro credit personnel,scientifically apply credit risk management and control mechanism,and innovate small and micro enterprise credit products In four aspects of service,the paper puts forward some suggestions for improving the credit risk management of small and micro enterprises in Zhengzhou Branch of Shanghai Pudong Development Bank.