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

Small enterprises play a vital role in private economy,with large quantities and strong vigor.As they solve employment position and improve enterprise innovation,they become an important force to push long-term and sustainable development for China's economy.By performing credit operation for small businesses,commercial banks can get superior returns.In the future,the credit operation of small and micro businesses will slowly become the profit point for commercial banks.But small enterprises themselves have lots of shortcomings-small chain line and a strong market competitiveness.Therefore,small businesses have a higher risk and a higher management cost,causing the small and micro business a limited banking support.How to furthur strengthen credit risk management becomes the new subject for our country's commercial banks.YZ village banks,approved and established by China banking's supervisory committee,are new rural financial institution,serving for county areas.According to the credit risk management of small enterprises and risk characteristics,taking YZ village banks as examples,the essay analyzes the present risk management situations of small businesses and describes its features in customers profession and customers selection.Based on this,the essay analyzes the problems in credit risk management of small enterprises in YZ village banks at present,analyzes the principal factors influencing credit risk management and comes up with the idea of managing the bank according to law to optimize client grading system.Stick to the market positioning of supporting farmers and small enterprises to promote its centrex service mode;emphasize management of credit foundation to perfect the credit management mechanism for small businesses;strengthen management after loan to perfect the management mechanism after loan in small enterprises and speed up public information platform to perfect the prevention measures for small businesses' credit risk rating system,etc.