Research On Credit Risk Management Of Small And Micro Enterprises In Yichun Branch Of Bank Youchu

In recent years,along with the rapid development and progress of the national economy,bank credit business has been advancing along with the pace of social and economic development and progress.But bank credit business in the fast development and progress at the same time,also produced a variety of risks,the commercial bank bad credit increased continuously,it gradually became the obstacle on the way to development of commercial Banks,how to deal with and solve the heavy pressure of huge amounts of bad credit,how to implement the credit risk of economic control and integrated management,gradually become important practical problems faced by the commercial Banks.Based on the current our country commercial bank credit risk control of the actual,from the post office bank yichun branch small micro credit risk control of the business,a thorough and comprehensive research and analysis,Continuously optimize the management and operation solutions to improve credit risks,reduce the probability of small and micro credit risks to the minimum,and improve the market competitiveness of Yichun Branch of postal Savings Bank has a far-reaching impact.Based on the economic risk principle of small and micro credit business,this paper firstly introduces the actual situation and products of small and micro loans of Yichun Branch of Postal Savings Bank.Secondly,the paper analyzes the existing small and micro credit risk evaluation methods,credit risk types and existing main problems and contradictions in yichun Branch of postal Savings Bank.Thirdly,according to the relevant data and information of Yichun Branch of Postal Savings Bank,the paper analyzes the types of economic risks and the probability of economic risks in the small and micro credit business of the Postal savings Bank at the level of small and micro enterprises and the actual level of the bank itself.Using hierarchy analysis method(AHP)and fuzzy comprehensive evaluation method,through the data information to the post office bank small micro credit risk assessment analysis,based on the data sequence of operation,configuration and control information,known in the four kinds of credit risk,credit risk and operational risk accumulated value interference factors on the high side,shows that the credit risk and operational risk is yichun branch post office bank credit risk facing currently important species;Secondly,the accumulative value of the disturbance factors of liquidity risk is the minimum value of the disturbance factors of market risk,but for the credit risk comprehensive management of postal savings bank,the same cannot be ignored.From the credit risk,operational risk,liquidity risk,market risk to put forward a one-to-one treatment and solution.