Qingdao Bank Small And Micro Enterprise Credit Risk Control Research

In recent years,with the national development of small and micro enterprises to strengthen the degree of attention and support,as well as the formation of market economic system,so that small and micro enterprises have been relatively rapid development,from manufacturing processing industry to the emerging Internet +,to high-tech and so on have small and micro enterprises,It can be said that small and micro enterprises have become an important part of China's economic structure,in the social and economic construction and development plays a positive role.Small and micro enterprises in the operation and development of the need to carry out financing activities,the main financing channel is to apply for loans to commercial banks,for this reason,commercial banks around the development of local economy,service small enterprises corresponding to the introduction of small and micro enterprises credit products,in order to effectively solve the financing difficulties of small and micro enterprises to provide assistance.Because of the small scale of small and micro enterprises and the lack of internal governance of enterprises,the credit business of small and micro enterprises in commercial banks is faced with many risks,if it can not effectively control the credit risk of small and micro enterprises,it will inevitably lead to the loss of credit assets of small and micro enterprises in commercial banks,reduce the quality of commercial bank credit assets,Serious will also restrict the operation and development of commercial banks,therefore,how to strengthen the credit risk control of small and micro enterprises,improve the credit risk control system of small and micro enterprises,and realize the long-term mechanism of credit risk control in smalland micro enterprises has become a subject to be solved.Taking Qingdao Bank as the research object,this paper analyzes the present situation of credit risk of Qingdao Bank small and micro enterprises,finds out the existing problems,constructs the credit risk control model of small and micro enterprises on the basis of combing and drawing lessons from the existing research results at home and abroad,this paper puts forward the countermeasures of credit risk control for small and micro enterprises in Qingdao Bank,and provides help for credit risk control of small and micro enterprises in Qingdao Bank.