Research On Credit Risk Management Of Small And Micro Enterprises Of Bank Of NY XZ Branch

China's small and micro enterprises are an important part of the national economy,the state attaches great importance to the development of small and micro enterprises.The credit of small and micro enterprises came into being,which not only became an important measure to solve the financing difficulty of small and micro enterprises,but also obtained the policy support of the state.However,small and micro enterprises are characterized by small scale,weak strength and low anti-risk ability,leading to great uncertainty in their credit risks.Commercial Banks are special enterprises that operate risks and create risk returns.If they want to share the dividends of the rapid development of small and micro enterprises and guarantee the safety of bank assets,it is one of the priorities of commercial Banks to do a good job in credit risk management of small and micro enterprises.On the basis of fully research related theory,this paper discusses the XZ branches of small micro enterprise credit risk management present situation: on the bank of NY,XZ small micro credit business management present situation,the operation process of objective analysis,found that the bank of NY,XZ small micro enterprise credit risk management in the enterprise moral accomplishment,staff before the credit quality and credit,credit and post-loan management link existing problems.And the reason of the existence of the problem is analyzed.In view of the above problem,this paper USES questionnaire method,the Delphi method to identify three evaluation indicators of credit risk management,and to determine the eight secondary indicators,using the analytic hierarchy process(ahp)to more than a dozen index hierarchy model is constructed,to build four judgment matrix,single one-time inspection the weights are determined by the twelve,again using the questionnaire survey method to calculate the value of risk factors.Based on the conclusions of the study,the first non-performing loan of small and micro enterprises in XZ branch was studied as an example.After combining the actual situation with theoretical knowledge,corresponding countermeasures and Suggestions were put forward for the six risk factors with high scores.Put forward the improvement plan from the aspects of strengthening the staff talent construction,before,during and after the loan.By fully combining quantitative and qualitative methods,it provides a scientific basis and a correct direction for the control of credit risk of small and micro enterprises of bank of NY XZ branch.