Research On Credit Risk Management Of Small And Micro Enterprises In Shihezi Branch Of China Construction Bank

The bank credit loan business is one of the main business of the bank,and it is also an important profit source of the bank.At present,with the continuous frequent non-governmental economic activities in China,a large number of small and micro enterprises begin to appear.Due to the small total fixed assets of small and micro enterprises and the difficulty of venture capital financing,bank credit loan has become an important source of financing for small and micro enterprises.However,small and micro enterprises have the characteristics of poor operation stability and low credit level,which makes banks undertake the credit business of small and micro enterprises Take a higher risk.Taking Shihezi branch of China Construction Bank as an example,combined with the theory of information asymmetry and the practical experience of the author's work in the bank,puts forward some measures to reduce the credit risk of small and micro enterprises with reference to the theory of enterprise life cycle and credit rationing theory,in order to help Shihezi branch improve the level of credit business.Small and micro enterprises have the characteristics of wide distribution,small enterprise scale,significant regional differences,low risk tolerance and low degree of information disclosure,which make small and micro enterprises appear in credit business that can not be ignored Risk.Then this paper analyzes the small and micro enterprise credit business and its risks of China Construction Bank Shihezi branch.At present,with the continuous economic development of Shihezi region,the number of small and micro enterprises is incre asing,and the credit business volume of Shihezi branch is also increasing year by year,but the non-performing loan rate is also rising.According to the statistical data in recent years,the non-performing loan of Shihezi branch The payment rate has been higher than the national average value.By summarizing the current risks,at the macro level,Shihezi branch mainly faces macro policy risks,regional economic risks and regional economic risks,among which the local bad economic environment is the key to the aggravation of bank risks.At the level of small and micro enterprises,Shihezi branch is directly faced with the risk of loan default due to the weak risk resistance of small and micro enterprises,the weak awareness of corporate loan repayment,the lack of effective collateral or collateral,etc.;at the level of banks themselves,the imperfect internal credit evaluation system,the risk of credit management system,and the lack of experience of loan staff also cause the risk of Shihezi branch There are some defects in insurance control.Good credit risk management can effectively reduce the risk of bank credit business.In order to explore the reasons for the high risk of credit business in Shihezi branch,the credit risk management of Shihezi branch from the following three aspects: credit business process,credit business management and credit business technical support,and finds that in the credit business process In the aspect of credit management,there are some problems,such as imperfect credit evaluation before loan,inadequate review and supervision during loan,blind area in post loan inspection,lack of innovative financial products of small and micro enterprises,conservative guarantee methods,lack of compliance awareness and business quality of credit personnel,and insufficient construction of risk management and control information system in the aspect of technical support for credit business Due to the lack of utilization of big data platform and other problems,the comprehensive effect of these problems eventually led to the high credit risk of Shihezi branch.Finally,in order to improve the credit risk management ability of small and micro enterprises in Shihezi branch,the author refers to the enterprise life cycle theory,credit rationing theory and the management experience of excellent banks at home and abroad,and puts forward a series of suggestions from three aspects: optimizing the credit business process,improving the risk management mechanism of credit business and improving the level of information technology,with a view to helping Shihezi branch to realize At present,the improvement of risk management ability can provide theoretical reference for domestic banks with similar problems.