Research On Credit Risk Management Of Small And Micro Enterprises In Bank H

Small and micro enterprises are an important part of China's national economy.They play an active role in the national development strategy of "steady growth,structural adjustment,reform and people's well-being",which is highly valued by governments at all levels.According to their own business development needs and the requirements of the government,commercial Banks continue to expand the loan business for small and micro enterprises.However,due to the weak characteristics of small and micro enterprises and the problem of information asymmetry with Banks,the credit risks of small and micro enterprises are more hidden.On the one hand,the loan financing of commercial Banks cannot meet the development needs of small and micro enterprises,resulting in difficult and expensive financing for small and micro enterprises.On the other hand,it is difficult to manage the loans of small and micro enterprises,and the commercial Banks are reluctant and afraid to lend.This contradiction has become a bottleneck restricting the development of small and micro enterprises.This paper chooses to study the loan risk management of small and micro enterprises,which is conducive to helping commercial Banks to develop the service objects of small and micro enterprises,at the same time,strengthening the credit risk management,improving the risk management level of small and micro enterprises credit,ensuring their own credit security,and helping small and micro enterprises to get more powerful credit support.On the basis of sorting out relevant background and domestic and foreign research achievements,this paper expounds the relevant meanings and theories of bank credit risk management,and summarizes the characteristics of small and micro enterprises and their credit characteristics.Adopt the method of case study,in order to H Banks as the research object,analyzes on the small micro enterprise credit management state research,analysis of the bank credit risk control related issues,the article H bank problems of small micro enterprise credit management and risk points,and to improve the small micro enterprise credit risk management are proposed.Through research and analysis,it is believed that in order to better prevent small and micro enterprises credit business risks of H bank,it is necessary to optimize its own credit risk management process,unify the credit granting procedures,and further improve the management during and after lending.Second,optimize the credit analysis management information system,make full use of CLPM for online operations,and use "Internet+big data" to establish a comprehensive credit business analysis information system;The third is the scientific credit risk management evaluation;Finally,a sound risk early warning system is established,and according to the results of risk assessment,small and micro enterprises are divided into three levels according to the risk,and credit risks of different levels are managed.It provides certain reference and reference for H bank and other commercial Banks in the credit risk management of small and micro enterprises.