Research On Credit Risk Of Small And Micro Enterprisesin F Commercial Bank

With the rapid development of China’s economy,market opportunities are gradually increasing.As the most market-oriented market entity in China’s market economy,small and micro enterprises have begun to show their great development potential in recent years,playing an important role in the real economy and filling some of the market gaps.Besides,small and micro enterprises have also taken the social responsibility to solve the employment problem and contributed an essential force to China’s economic development.“Financing difficulties” is a bottleneck for the development and growth of enterprises,especially in the development process of small and micro enterprises.In order to get rid of this dilemma,small and micro enterprises often take the most direct method-seeking financing from banks.Due to a series of characteristics such as opaque financial information and unstable business conditions,the bank’s evaluation of the credit risk value of small and micro enterprises’ loan business is relatively high,which makes the development of small and micro enterprises more difficult.As a financial institution that undertakes credit intermediaries,commercial banks are also facing this problem.Compared with large and medium-sized enterprises,small and micro enterprises have higher credit risks.To expand business volume,occupy the emerging market of small and micro enterprises and complete the credit management system,commercial banks need to improve their credit risk management level according to the characteristics and conditions of small and micro enterprises.This paper analyzes the situation and problems of small and micro credit risk management of domestic commercial banks,and the current situation of F commercial bank credit risk management system by taking F commercial banks as an example.It points out that there is a series of problems such as lack of perfect talent training mechanism,insufficient innovation capacity of small and micro enterprise credit management departments and excessive disposal of risk assets for small and micro enterprises’ credit risk management of F-bank.And it also puts forward targeted measures to establish a sound talent training mechanism,strengthen the construction of credit management departments and improve the ability to deal with risk assets to further reduce the credit risk of the small and micro enterprises and complete the credit risk management mechanism of F commercial banks,thereby improving the credit risk management level of small and micro enterprises in F commercial banks,broadening the financing channels of small and micro enterprises,and promoting the healthy and rapid development of small and micro enterprises.