Optimization Research On The Credit Risk Management Of Micro And Small Enterprises Of Changsha Branch Of China Merchants Bank

Micro enterprises contributed a lot to the economic developmen t of China.Their survival conditions will directly affect the healthy develo pment of the national economy.Banks and other financial institutions are paying continuous attention to the credit of micro enterprises due to the development of normalization of economy and interest rate liberalization.With the great attention and supports from Chinese government,the financing difficulty of micro enterprises is facilitated.However,it is difficult to improve the situation of the small and micro enterprises due to the great fluctuation of management and the weak anti-risk ability as the whole.Besides,commercial banks and other financial institutions gradually fall into the dilemma of pursuing benefits and controlling risks at the same time when they serve smal l and micro-credit enterprises.In view of it,the requirements for credit risk management of small and micro enterprises are bound to be higher and higher.In this paper,it takes the risk management of small and micro credit in Changsha Branch of China Merchants Bank as the research object,which firstly discusses the background and significance of the selection of the topic,combs the relevant theoretical basis of small and micro credit business and the relevant literature at home and abroad,so as to be used as the theoretical basis of the research.Secondly,it expounds the development status of small and micro credit risk management in Changsha Branch of China Merchants Bank,which points out the existing problems and causes of small and micro credit risk management at present.Thirdly,it puts forward the optimization scheme of small and micro credit risk management in Changsha Branch of China Merchants Bank,which includes the optimization ideas and principles,the identification of small and micro credit risk,the measurement of small and micro credit risk as well as the concrete optimization scheme of small and micro credit risk control.Finally,it points out the implementation and guarantee of the optimization scheme of small and micro credit risk management in Changsha Branch of China Merchants Bank,which includes the implementation objectives,principles and steps of the optimization scheme.Meanwhile,it also puts forward the organization guarantee,technical guarantee and talent guarantee of o ptimizing the implementation of the scheme.In this paper,it tries to find and discuss its problems and shortcomings,as well as put forward the corresponding optimization scheme and implementation guarantee for its further healthy development through making the in-depth study on the development status of risk management of small and micro credit business in Changsha Branch of China Merchants Bank.In terms of the purpose,it is to solve the existing problems of Changsha Branch of China Merchants Bank,cla rify and optimize the objectives of optimization,as well as speed up the innovation and reform of financial services in small and micro enterprises,so as to promote the healthy and rapid development of small and micro credit business.At the same time,i t can provide reference for other commercial banks to promote the optimization of small and micro credit risk management.