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

In recent years,the domestic market economy system has gradually improved,the market economy has developed rapidly,and many small and micro enterprises have emerged.These small and micro enterprises have developed rapidly,becoming the most potential and dynamic group in China's economic development enterprises,playing an important role in providing employment and promoting economic growth.However,the development of many small and micro enterprises is faced with financing problems,mainly manifested in poor financing channels,limited financing channels and so on.Because the small and micro enterprise financial information disclosure degree is not high and the stability is relatively poor,causes the hidden danger to provide the loan to the small and micro enterprise to need to bear the high credit risk,many because in order to avoid this kind of Risk and reduce the amount of loans to small and micro enterprises or set more stringent conditions,so the key to solve the financing difficulties of small and micro enterprises is to promote the ability and level of bank credit risk management.Compared with other enterprises,the credit funds of small and micro enterprises are mainly characterized by urgency,frequency and short,because small and micro enterprises have higher associated risk and guarantee mortgage risk,and the risk resistance is relatively poor,and the scale of operation is relatively small,so banks need to bear higher credit risk when providing credit business in small and micro enterprises.This paper summarizes the credit characteristics of small and micro enterprises,analyzes the risk of bank management and the mode of managing credit business of small and micro enterprises,and summarizes the characteristics of bank small and micro enterprises providing credit business from the three dimensions of system construction and before and after loan,mainly without establishing a unified one Risk management system,talent team is not perfect,there is information asymmetry between enterprises and banks,small and micro enterprises enter the product relatively single and lack of innovation,no corresponding risk measurement system and lack of strict risk control,product development is more extreme,high interest rate level and fast business growth,and so on.Therefore,in order to build a credit risk management system that meets the characteristics of small and micro enterprises and ensure its implementation effect,we can promote the sound credit risk system of banks by enhancing the ability of banks to dispose of risk assets and innovating financial services and financial products of small and micro enterprises,perfecting the talent team and building the credit sector,etc.realization of bank risk control objectives.