Study On Risk Prevention And Control Strategy Of Micro-credit In Lanzhou Bank

For a long time,the risk of micro-credit has been one of the main risks in the banking industry.Especially in recent years,the national economy has been in a sustained downturn,and the development of small and medium-sized enterprises are in difficult situation,which has aggravated the default risk of micro-credit.Lanzhou Bank is a local city commercial bank,after years of demonstration and exploration,the market orientation of "serve local,serve small and medium-sized,serve private,serve public" has been established.The service for the small and medium-sized enterprises is deeply rooted in development thinking,strategic idea and work innovation.2015 responded to an appeal of "public entrepreneurship and innovation",actively developed innovative start-ups microfinance,continuously increased the availability of credit,enhanced the level of financial services to small micro enterprise.Lanzhou Bank was set up in short time,though it has some achievements in micro-credit,the difficulties still exist and the most important is the credit risk.On the basis of the above situation,this thesis takes Lanzhou Bank as an example and the risk control of its micro-credit business is studied for the purpose of further improving the risk prevention and control measures of micro-credit in Lanzhou Bank and to reduce the default or non-performing loans.This thesis firstly explains the basic definition and theory of microfinance and credit risk.By looking up micro-credit experience at home and abroad and combining with the actual situation of my bank work in Lanzhou Bank,and using the process analysis method and data analysis method to demonstrate the risk status in the micro-credit development of Lank Bank,and summarizing the risk problems and the causes of risk in current business development process,meanwhile checking the credit evaluation methods by empirical examples.Finally,on the basis of above research,risk prevention and control measures are put forward.The risk prevention and control measures proposed in this paper have certain reference value for the micro-credit of Lanzhou Bank.