C Rural Commercial Bank's Research On Credit Risk Management In Professional Market

In recent years,with the acceleration of China's economic development and the deepening of industrial restructuring,the importance of small and micro enterprises in the current national economy cannot be ignored.In order to enrich and improve the market economy system,the state has paid great attention to the development of small and micro enterprises.In particular,in order to solve the problem of financing difficulties and financing for small and micro enterprises,governments at all levels have continuously introduced relevant support policies.At the Third Plenary Session of the Eighteenth Central Committee,it was clearly stated that the market played a decisive role in resource allocation.In this environment,commercial banks are also increasing the risk management of large and small enterprises in the support of small and micro enterprises.Under the dual pressure of external competition and performance appraisal,commercial banks gradually pay attention to and promote the optimization of credit structure and risk management of commercial banks.In this era,with the economic development and national planning,the marketization of small and micro enterprises has the characteristics of the current market.Although the professional market has formed a cluster of small and micro-customer groups with strong competitiveness,it is also the main risk location for credit risk of small and micro enterprises in commercial banks.Chinese commercial banks continue to develop and explore new credit products and services suitable for small and micro enterprises in the professional market,strengthen risk management and control,and vigorously increase the share of small and micro enterprises in a variety of credit models and guarantees.It can be seen that the loans of small and micro enterprises in the professional market will not only improve the business development of commercial banks,but also trigger a series of credit risks to improve the non-performing rate.This thesis focuses on the credit risk management of C micro-enterprise credit in the professional market,combined with the actual current market environment and the background of the times,the results of domestic and foreign literature and the commercial bank's loan law in the professional market.And its risk management countermeasures,through theoretical analysis and case analysis,explore how to control the micro-credit risk in the professional market,and summarize the risk control schemes for small and micro-enterprise loans in a large area,and conduct research and analysis.The ruralcommercial bank and its similar businesses have laid a solid foundation for their work.Since the professional market is the main gathering place for the risk of small and micro enterprises,and has the pertinence of small and micro enterprise risk management,this paper studies the current development of bulk credit in the professional market by C rural business micro-enterprise credit,from the small in the professional market.The micro-enterprise risk management begins with the definition of small and micro enterprises,the concept of commercial bank credit risk,and the stage and goal of commercial bank risk management in the professional market.From the macro and micro perspectives,the current situation of C micro-credit risk management of C rural commercial banks in the professional market is described,which explains the reasons for the formation of credit risk in small and medium-sized enterprises in the professional market,and focuses on the problems existing in the professional market.Analyze and introduce specific professional markets for entity case descriptions to test the practicality of the problem.Taking the professional market as the entry point,explicitly studying the credit risk field,and studying how to improve the credit risk management of small and micro enterprises in the professional market under the current situation is a key issue facing commercial banks.This paper analyzes and analyzes the credit risk management cases of C market in the professional market,and analyzes and analyzes the methods and strategies for credit risk management of small and micro enterprises in the professional market.This paper has a certain guiding role for the current risk management of commercial banks and other institutions in the development of small and micro credit business in the professional market.It proposes risk prevention measures for commercial banks' credit business in the professional market to maintain the small and micro business of commercial banks.In the professional market,the business of mass credit business is good.