Research On Credit Business Risk Management Of Small And Micro Enterprises Of CCB Xiangtan Branch

The Small and Micro Enterprise are an important source for the cultivation of new economic momentum in China,and their degree of activity is also an important indicator of the economic activity of a country.CCB is one of the State-Owned Commercial Banks,recently,our country is powerfully supporting those businesses,so CCB put the Small and Micro Enterprise Businesses on an important position,the business for them also get a high speed of development.However,in recent years,the environment has been turbulent,and various risks of Small and Micro Enterprise Businesses have also been highlighted one by one.At present,there are problems such as high risk,difficult management,and asymmetric information.In this paper,by studying the literature on credit risk and the situation of Branch Xiangtan of CCBs' Small and Micro Enterprise Credit Businesses,using the risk model for credit business' s risk evaluation.Therefore,it puts forward countermeasures and suggestions that can properly prevent and control the credit risk of Small and Micro Enterprise of the CCB Xiangtan Branch,and ensure that the business is continuously and soundly developed.In this paper,the writer read a lot of reference bibliography,according to the Small and micro businesses credit risk theory as the research foundation,integrate theory with practice,to start with the CCB Xiangtan Branch's Small and Micro Enterprise Credit Businesses development and management situation,use the Logistic Regression model,estimating the credit exposures of Small and Micro Enterprise Credit Businesses,draw a conclusion that the credit exposures is at the high level,and put forward the measures and suggestions.Including strengthening the management of guarantees and collaterals,and optimizing credit risk assessment models,measuring the operational risk of Small and Micro Enterprise through the risk-generating structure,it's concluded that the operational risk is currently at a medium level,but CCB Xiangtan Branch should still respond to the increased operational risk be wary of this conclusion,among which the risk caused by internal accounts for 62% and the risk caused by external accounts for 38%.Contrapose those problems,CCB Xiangtan Branch should strengthen the implementation of internal control,and raising the professional quality of credit officers.Through analysis and evaluation of the liquidity index of CCB Xiangtan Branch,it is confirmed that the CCB Xiangtan Branch is able to ensure the smooth development of various businesses with a high level of capital flow,but the initiative to monitor daily liquidity needs to be further improved.The unique part of this paper is: At first,it combines the credit business data of CCB Xiangtan Branch to analyze the problems in risk management,and measures the current credit risk,and combines the risk measurement results from the credit business risk management of Xiangtan Branch The system and the characteristics of Small and Micro Enterprise have carried out a full range of research from various internal and external perspectives.The research results have strong practicality and operability.The second is that this article has realized the combination of theory and practice,and the author combined her own bank credit work experience,based on the actual situation of the credit business of CCB Xiangtan Branch,analyzes the actual problems in the business process,combined with the advanced research theory,and proposes countermeasures to improve the credit risk management system for Xiangtan Branch,which has certain forward-looking.