Research On Credit Risk Control Countermeasures Of Small And Micro Enterprises In A Branch Of Postal Savings Bank Of China

Small and micro enterprises play an important role in our national economy.With a series policies to support small and micro enterprises,the development environment of small and micro enterprises has improved.The field of small and micro enterprises has become an important target market for commercial banks to invest credit.However,the risk tolerance of small and micro enterprises is poor,and the management risk of small and micro enterprises is easy to appear with the fluctuation of the market.The credit risk control of small and micro enterprises has become the current focus of commercial banks.Firstly,this paper classifies,collates and analyzes the literature results of credit risk management.Then this paper analyzes the research status of credit risk management at home and abroad,and summarizes the theoretical basis of this paper.Secondly,this paper takes A Branch of Postal Savings Bank of China as the object of study.By using the method of literature analysis,case analysis,chart analysis,this paper analyzes the present situation of credit risk control of small and micro enterprises.Combined with the case analysis of typical risk customers,it is pointed out that there are some problems in the credit risk control of small and micro enterprises,such as the incomplete pre-loan investigation,the imperfect credit rating system,the indepth examination in loan,the imperfect risk early warning mechanism and the weak post-loan management link.The causes of these problems mainly lie in the complex operational risk factors of the customer group,the existence of information asymmetry between banks and enterprises,the lack of development experience,and the lack of compliance awareness of credit personnel.Finally,based on the analysis of the problems and their causes,this paper puts forward some countermeasures for the credit risk control of small andmicro enterprises in A Branch of Postal Savings Bank of China,including strengthening the pre-loan investigation,assisting in the establishment of a perfect credit rating system,conducting in-depth loan examination,perfecting the risk early warning mechanism,establishing a scientific and reasonable post-loan management mechanism,strengthening the system and personnel support.It is hoped that the countermeasures in this paper can improve the credit risk control level of small and micro enterprises in A Branch of Postal Savings Bank of China,and also make reference to the relevant risk control of other commercial banks.Then the commercial banks can realize the high-quality development of the credit business of small and micro enterprises.