Study On Credit Risk Management Of Small And Micro Enterprises In China Construction Bank A Sub-branch

In recent years,the financial service of small and micro enterprises has been highly valued by the state and internal and external supervision and management departments,which makes the development of small and micro enterprises a long-term strategic task of the state.With the long-term development of small and micro enterprises,the nature and risk objects of commercial Banks have gradually changed,and the possible credit risks of each loan have evolved into credit risks,operational risks and market risks.Therefore,for commercial Banks,it is particularly important to prevent and control the credit risks of small and micro enterprises.In this paper,from the micro credit concept and related theory,with China Construction Bank A branch of such a county branch as the research object,first on A branch on the current situation of small micro enterprise credit risk management analysis,it is concluded that A branch of the credit risk management exist before the risk recognition,not enough credit and loan risk assessment is not mature,after the credit risk management is not timely issue.Then,based on the specific case of the credit business of small and micro enterprises of A sub-branch,the reasons for the aforementioned problems are analyzed.Finally,according to the specific situation of A branch,relevant Suggestions are put forward: improving the pre-loan risk identification process,improving the risk assessment level in the loan,and strengthening the post-loan management and supervision.Although A sub-branch in this paper is a sub-branch at the county level,the problems reflected by it have certain commonality,which can provide some references for the improvement of the study on credit risk management of small and micro enterprises in commercial Banks.