Research On Risk Management Of Credit Business Of Small And Micro Enterprises Of Z Bank

At present,the risk management system of the credit business of small and micro commercial Banks is not perfect,the operating system has many loopholes,the supervision and management is difficult,the risk awareness of the business operators is weak,and other factors lead to their greater risk than other types of credit business of Banks.On the other hand,the credit business of small and micro enterprises in commercial Banks accounts for an increasing proportion in the overall credit business,the credit line increases year by year,and the types of enterprises participating in the investment are diversified.Therefore,it is necessary to analyze and solve the problems existing in the risk management of the credit business of small and micro enterprises in commercial Banks.In this to one of the more understanding of Z city commercial bank,the bank as the research object,according to the current implementation of small micro enterprise credit business operation flow,study the existence of loopholes and defects,according to the Z bank has case,according to the statistics of small and medium-sized enterprise credit operation risk,credit risk in the top two,especially the operation risk,accounts for more than 50%,involving credit before,and after the credit loan and so on each link.It is of great theoretical and practical significance to support the development of small and micro enterprises and achieve win-win results among small and medium-sized enterprises,Banks,regional governments and the general public.This paper mainly studies the following aspects on the basis of relevant literature review: first,the theoretical basis of credit risk management of small and micro enterprises in Banks.First of all,according to the "standard for the classification of small and medium-sized enterprises" jointly initiated by the industry and information technology commission and other parts,small and micro enterprises are defined.On the basis of the definition of credit risk and credit risk management,the characteristicsof small and micro enterprises are analyzed and the relevant theories of credit risk management of small and micro enterprises are introduced.Ii.Analyzed the credit risk management status of small and micro enterprises in Z bank,summarized the credit business types and operating procedures of small and micro enterprises in jiangxi bank according to the annual reports of Z bank in recent three years.The problems existing in credit management of Z bank are pointed out: the credit management system is deviated from the characteristics of small and micro credit;Unreasonable phenomenon exists in operation before,during and after loan;The credit evaluation system and standard of small and micro credit are not scientific;Small and micro credit management system and process is not perfect.Iii.Establish an appropriate evaluation model--fuzzy comprehensive evaluation method,use this model to evaluate and improve the credit risk management model of small and micro enterprises,fundamentally solve the fuzzy and difficult to be quantified problems,so as to help us solve a variety of highly uncertain problems.Iv.In view of the existing problems of Z bank,put forward reasonable countermeasures and Suggestions,and summarize and prospect the deficiencies of the article.