Research On Credit Risk Management Of Small And Micro Enterprises In XingTai Branch Of H Bank

In recent years,China's small and micro enterprises have developed vigorously and played a unique and important role in increasing employment,stabilizing growth,promoting innovation,and enriching market structure.The CPC(communist party of China)Central Committee and the State Council have repeatedly stressed the importance of supporting private enterprises and small and micro businesses in the financial sector.Financial regulators require that efforts should be made to alleviate the problem of insufficient financial services and uneven structure of small and micro enterprises,and guide the financial services of small and micro enterprises in the banking industry from high-speed growth to high-quality development.The credit policies formulated by commercial banks are gradually tilted towards small and micro enterprises,and they are actively developing credit products for small and micro enterprises.However,due to factors such as small scale,unstable operations,and poor risk resistance of small and micro enterprises,credit risks occur from time to time.Therefore,exploring the credit risk management model applicable to small and micro enterprises,improving the level of credit risk management,and optimizing the credit risk management process are of great significance to achieving a win-win situation for banks and small and micro enterprises.This article takes the credit risk management of small and micro enterprises in the H city commercial bank XingTai branch as the research object.By combining theory with actual operation,the sources of credit risks of small and micro enterprises are elaborated from the aspects of bank,enterprise and external factors.Based on objective data,this paper analyzed the current situation of financing of small and micro enterprises in H province and Xingtai city,afterwards,this article sorted out the current situation of credit risk management of small and micro enterprises in XingTai Branch of H Bank in detail,including the current status of business and personnel,departmental authority and loan process in risk management practice.Then,the problems of credit risk management of small and micro enterprises at the current stage were brought out,and analyzed the causes of the problems,including risk management organization structure,risk evaluation system and the quality of employees.Finally,according to the problems in the risk management of the credit business of the small and micro enterprises of H Bank XingTai branch,the paper proposes to optimize from the entry points of the organizational structure,risk evaluation system,personnel quality,and comprehensive risk management system,and established a new small and micro enterprise loan risk management system with a better organization,more scientific processes and more accurate risk assessment.The new risk management system can play an active role in improving the bank's risk management level and improving the current situation of small and micro enterprise loan risk management.