Research On Credit Risk Prevention Strategy Of Small And Micro Enterprises For Zhongshan Rural Commercial Bank Co,Ltd

Small and micro enterprises(SMEs)have become an important force for national economic development,and with their continuous development,they gradually play an important role in solving the employment problem,raising people's income level and promoting economic development.More and more financial institutions to support SMEs to develop into the development strategy plan,SMEs inherent in small scale,large,imperfect financial system is not sound,management and the feature of weak ability to resist risk and "short,small,frequency," financing characteristics,become its financing difficult,financing expensive constraints.As a small local financial institution supporting rural areas,Zhongshan Rural Commercial Bank Co.,Ltd(ZSRC)has an inescapable responsibility to support the development of local real economy.However,with the economic downturn,the impact of macro economy and regional economy on SMEs has become prominent.Reducing non-performing loans and improving credit quality is not only the current situation,but also a primary problem faced by ZSRC in its future development.In this paper,the application of SMEs credit risk theory,customer credit rating and credit risk early warning theory,by ZSRC in the SMEs credit business development basic situation,problems and reasons,the credit environment and risk analysis,in the process of production and operation,it is found that there are such problems as extensive operation and management,valuing assets over operation,uneven team quality,insufficient product innovation and lack of effective scientific and technological support,and the problem is relatively outstanding.There is an urgent need to improve the situation.In order to guarantee the financing needs of SMEs and prevent credit risks,it is necessary to develop a set of effective risk prevention strategies.With the goal of streamlining,standardization,specialization and refinement,this paper proposes solutions such as strengthening the whole process management of loans to SMEs,innovating the way of small and micro credit guarantee,strengthening the construction of credit team,intensifying product innovation and strengthening the investment in credit business technology.The implementation of the above prevention strategies requires supporting systems and measures to ensure credit practitioners,ensure the steady development of credit business through risk management,and do a good job in internal control management to prevent operational risks.In summary,only by constantly updating the risk management concept,comprehensively improving the risk management ability,and improving the comprehensive level of operation and management,can we maintain the steady development of various businesses,continue to provide financial services for SMEs,and improve the quality of credit assets,so as to cope with the fierce competition from all sides.