Research On Improving Credit Risk Management System Of Small And Micro Enterprises Of Changshu Rural Commercial Bank

Small and micro enterprises are of great significance to the national economic and social development in China.The production value they have created accounts for 60% of GDP,and taxation accounts for 50% of the total national tax revenue.They are the main driving forces for the steady development of the real economy in China.On the other hand,most of the small and micro enterprises cannot survive for long time or operate stably,and always meet financing difficulties.After the transformation of the new shareholding system,as a bank group deeply rooted in the local area,the rural commercial banks know the local economy very well and always take the initiative to carry out the credit business for small and micro enterprises,broaden the channels for financing small and micro enterprises,and effectively help small and micro enterprises solve the difficulty in applying for loans and the loans being expensive,which promotes the development of agriculture,rural areas and farmers.At the same time,however,in the process of developing credit business for small and micro enterprises,it is inevitable for the rural commercial banks to encounter credit risk problems.How to promote the growth of credit business and local economic development while avoiding the loss of bank credit assets and reducing credit risks has become a common issue faced by the rural commercial banks.Literature research method,case investigation method,and social investigation method are adopted in this thesis.Based on the in-depth study and reference of Chinese and foreign literatures,an in-depth study on the credit risk management system of small and micro enterprises in Changshu Rural Commercial Bank is conducted in this thesis.After finding out the problems in the field of credit risk management of commercial banks for small and micro enterprises,combined with the actual development of the credit business for small and micro enterprises of Changshu Rural Commercial Bank,relevant suggestions on improving the credit risk management system of rural commercial banks for small and micro enterprises in China are proposed,which also provides some reference for the control of the credit risks of rural commercial banks for small and micro enterprises in China.It is believed in this thesis that in order to improve the credit risk management system for small and micro enterprises,Changshu Rural Commercial Bank should enhance risk awareness comprehensively,promote the risk control culture vigorously,improve the internal credit evaluation system,and enhance the pre-lending role of the credit risk warning mechanism.At the same time,it should also continuously improve the credit risk management,optimize the performance appraisal mechanism and strengthen the accountability mechanism,implement the big data strategy and innovate the financial service models so as to promote the healthy and sustainable development of the credit business for small and micro enterprises.