Research On Credit Risk Prevention Of Small And Micro Enterprise Of ZG Rural Commercial Bank

At present,the Chinese economy is in an important stage of development from quantitative growth to quality improvement.As an important part of social and economic construction,small and micro enterprises are a vital force for national economic and social development,and have made important contributions to expanding employment,improving people's livelihood,and promoting entrepreneurship and innovation.However,due to problems such as short establishment time,poor foundation,and weak foundation,small and micro enterprises themselves have poor anti-risk capabilities.In addition,many commercial banks still have many problems in preventing credit risk of small and micro loans,which makes small and micro enterprises loans.The problem of credit risk is highlighted,and the “difficult loan” has always restricted the development of small and micro enterprises.This article is guided by the relevant theories of small and micro enterprise loan credit risk prevention,and selects ZG Rural Commercial Bank small and micro enterprise loan credit risk prevention as research,points out the existing problems and analyzes the causes,and finally proposes to enhance the small and micro enterprise loan credit risk prevention Optimization suggestions.This article mainly includes five major parts.The first part is a brief introduction to the research background,research significance,relevant research at home and abroad,and research methods and ideas;the second part is to introduce the relevant theories of credit risk prevention of small and micro enterprises loans;the third part is Explain the development of ZG Rural Commercial Bank's small and micro-enterprise loan business and the status of credit risk prevention corresponding to the three stages of pre-loan,mid-loan,and post-loan;the fourth part is to introduce the three stages of pre-loan,mid-loan,and post-loan credit risk prevention The existing problems of the measures and analysis of their causes;the fifth part is to propose improvement measures and safeguard measures for optimizing the credit risk prevention of small and micro enterprise loans.With the slowdown of economic growth,the marketization of interest rates,the rapid development of financial disintermediation,the fiercer competition in the industry,and the increase in financing channels for large enterprises,commercial banks must transfer their target customers to small and micro enterprises to create new profit growth points Therefore,higher requirements are put on the ability of commercial banks to prevent credit risk.Through the research in this article,we hope to improve the bank's ability to prevent credit risks of small and micro-enterprise loans,and also hope to provide reference for domestic commercial banks to promote the sustainable and healthy development of small and micro-enterprise loans.