Research On Credit Risk Management Of Small And Micro Enterprises In Commercial Banks

In recent years,China's economy has grown rapidly and rapidly,especially in the context of supporting the tone of the real economy in the near future.The importance of the development of small and micro enterprises has become more prominent,and its quantity and scale have become more and more important in the national economy.It plays a vital role in the steady and rapid development of China's economy.For small and micro enterprises,capital source is the main factor affecting their development,and loan is an important way of scale-up operation and capital expansion,but it will be affected by the uncertainty of domestic financial environment and the development of small and micro enterprises themselves.A variety of problems have emerged.For small and micro enterprises,the main channel for financing is banks,and banks have to face large credit risks when lending to small and micro enterprises.The contradiction between bank cautious lending and small micro enterprises is difficult to coordinate.If the credit risk of small and micro enterprise loans can be effectively controlled,the problem of " difficult loans" for small and micro enterprises will be alleviated.Based on the perspective of loan credit risk,this paper takes S-bank as an example and uses the elastic network regression method to quantitatively evaluate the credit risk of small and micro enterprises in commercial banks,and then conducts targeted analysis based on the specific customer structure of S Bank.The analysis results show that credit risk control of small and micro enterprise loan business of a branch of S Bank has hidden worries,and the main risk points of credit loan are concentrated in the two aspects of " deterioration of business operation" and "imperfect guarantee".Finally,based on the results of comprehensive empirical analysis and the risks and management loopholes found in the survey,the corresponding countermeasures are proposed from four aspects:taking measures to control the small and micro enterprise loans with credit risk,and establishing an effective credit risk assessment model for small and micro enterprises.Establish a sound credit risk monitoring system for small and micro enterprises,and strengthen the implementation of the bank's internal control management system,with a view to improving the management of S-bank small and micro enterprise loan business.The conclusions of this study have certain guidance and reference significance for the same type of bank loan credit risk management,especially small and micro enterprise loan credit risk management.