Research On Credit Risk Control Of Small And Micro Enterprises In Industrial And Commercial Bank Of China

Small and micro enterprises are the general term for small enterprises,micro enterprises,and individual industrial and commercial households.According to statistics,the number of small and micro enterprises in China has reached 80 million at present,accounting for more than 90% of the number of Chinese enterprises.Therefore,small and micro enterprises are developing in society Aspect has a greater effect.At this stage,commercial banks' loan business for small and micro enterprises is gradually increasing with the support of policies.Both the central government and local governments provide certain tax incentives and industrial policy support to small and micro enterprises,and the government encourages commercial banks to pay attention to a certain extent.The credit problem of small and micro enterprises supports commercial banks to actively expand the credit business of small and micro enterprises.Although the credit business of small and micro enterprises is the main component of the profit growth of commercial banks at this stage,due to the inherent characteristics of the development of credit business of small and micro enterprises,there is a large uncertainty in the operation of small and micro enterprises themselves.In the process of fund management and control,banks need to conduct a comprehensive evaluation to judge the comprehensive situation of small and micro enterprises before they can carry out relevant business activities.If they cannot fully and accurately judge the situation of small and micro enterprises,problems due to small and micro enterprises are likely to occur.As a result,the loan cannot be repaid on time,and the bank has suffered losses.Therefore,how to effectively control the credit business risk of small and micro enterprises is one of the contents that commercial banks need to pay attention to.The author refers to the domestic and foreign research results on bank credit risk,sorts out the main theoretical practice at the present stage,and at the same time refers to the foreign literature with strong influence,to preliminary sort out the research ideas and contents to be carried out in this article,and construct a research framework.By enriching its theoretical knowledge,it can better carry out case studies on the A branch of ICBC,and enhance the integrity and scientificity of the research process.Combining theory with practice makes the arguments and arguments of the study more convincing and enhances the professionalism of the thesis.This article focuses on the research of the credit business for small and micro enterprises launched by the A branch of Industrial and Commercial Bank of China,and elaborate on the research focus of commercial bank risk management from five aspects: Chapter 1 research background on the credit risk of small and micro enterprises in commercial banks Toelaborate on and significance,summarize the current research situation at home and abroad,and put forward the research methods and content of this article.Chapter 2 analyzes the definition of relevant concepts in this study,including credit,small and micro enterprise credit risk,and credit risk management theory.The third chapter summarizes the current status of small and micro enterprise credit management of ICBC A sub-branch at this stage,introduces its basic development,analyzes the business status of small and micro enterprises,and understands the current status of small and micro enterprise credit of ICBC A sub-branch from different indicators.The fourth chapter combines the above-mentioned understanding of the current situation,using credit risk management theory to analyze the credit risk control situation of small and micro enterprises at the current stage of Industrial and Commercial Bank of China A branch,elaborating from three aspects: pre-loan,mid-loan and post-loan.Chapter V proposes measures to solve the above problems from the three aspects of pre-loan,mid-loan and post-loan in order to optimize the management of credit risk.After that,the full text is summarized,and at the same time,the future development of credit risk management of small and micro enterprises in commercial banks is prospected.