Font Size: a A A

A Study On Credit Risk Control Of Small And Micro Enterprises In Agricultural Commercial Bank

Posted on:2021-04-06Degree:MasterType:Thesis
Country:ChinaCandidate:Y C ZhouFull Text:PDF
GTID:2439330623959157Subject:Business Administration
Abstract/Summary:PDF Full Text Request
As a new force in China's innovation and development,small and micro enterprises are the most active force in China's market economy.However,small and micro enterprises often have low capital and poor risk tolerance.With its own economic strength,it is difficult to get bank financing,and the sustainable development of small and micro enterprises is difficult.The operation orientation of rural commercial banks is to provide small support for agriculture,to provide financial support for small and medium-sized micro-enterprises,and to promote the stable and rapid development of regional economy.Rural commercial banks are facing new requirements and challenges in their internal control with the continuous expansion of loan scale,more and more complex internal structure,and more severe domestic economic situation,as well as fiercer competition in the same industry.For a long time,some weak links and deep-seated problems in credit management need to be studied and solved urgently.In this paper,the risk management and control of small and micro enterprises in agricultural and commercial banks are explored,so that the credit risk of small and micro enterprises in agricultural and commercial banks can be controlled,and the development of small and micro enterprises loan business can be helped,so it has practical significance.This paper is based on the basic perspective of enterprise internal control,to analyze the internal control system of rural commercial banks.By using the methods of literature review,theory and practice,and case analysis,this paper analyzes and discusses theinternal control and management of credit risk of small and micro enterprises in A agricultural and commercial bank.First of all,through literature review,the meaning and development of small and micro enterprises are summarized,and the relevant theories of internal control theory and small and micro credit risk management theory are carding out,and the corresponding theoretical foundation for this article is laid.Subsequently,the main contents of credit risk management for small and micro enterprises are introduced,followed by the operation of A rural commercial banks,including internal organizational ties.The current situation of construction,operation and the status of small and micro credit business is analyzed,and then the market positioning and development status of A farmers and traders are introduced.On the basis of this,it further illustrates the existence of risk management and control of A agricultural and commercial bank.Finally,based on my experience in credit management of A rural commercial bank for many years,and through questionnaire survey,I further analyzed the problems existing in A rural commercial bank's credit risk management and control,and put forward the improvement of A small and micro credit risk management and control plan for rural commercial banks,and formulated corresponding solutions.We suggest that Agricultural Commercial Bank A should strengthen the improvement of its internal control environment,perfect the risk assessment system,optimize the risk control process,strengthen departmental supervision,broaden the channels of internal control information,optimize information collection and implement the improvement of the supervision mechanism,and other reasonable suggestions,so as to effectively implement the internal control of credit risk of small and micro enterprises in Agricultural Commercial Bank A,improve the loan quality of small and micro enterprises in Agricultural Commercial Bank A and promote its development.Based on the analysis and test of the problems,we believe that in order to strengthen the credit risk control of A rural commercial banks,we must optimize and improve the construction of internal control system,in order to achieve the sustainable development strategy of A agricultural and commercial enterprises,and play a good role in financial services for small and medium-sized enterprises.
Keywords/Search Tags:rural commercial bank, small and micro enterprise loan, Loan Risk Control
PDF Full Text Request
Related items