Research On Credit Risk Evaluation Of Small And Micro Enterprises In Qilu Bank A Sub-branch

China’s current small and micro enterprise credit market is still in its infancy,and its development is not mature enough.There are many problems and deficiencies.It is necessary to strengthen the risk management of small and micro enterprise credit and promote the healthy and sustainable development of the small and micro enterprise credit market.At the same time,small and micro enterprise credit is an important task of business innovation in China’s commercial banks.The risk factors it faces in the development process are constantly increasing.While pursuing business development,commercial banks must strengthen the risk management of small and micro enterprise credit and improve business.The level of compliance is the actual demand for China’s commercial banks to maintain healthy and sustainable development and realize the transformation of business models.The study points out that the main existing risks of small and micro enterprise credits in banks of Qilu Bank A sub-branch include both the small and micro enterprise credits’ own factors and the internal control of commercial banks.The main existing risks of small and micro-enterprise credit in Sub-branch A are enterprise operational risks,market risks,operational risks,and policy and legal risks.After identifying and assessing the credit risk factors of small and micro enterprises in the A sub-branch,the risk prevention and control strategy for small and micro enterprises in the A sub-branch of Qilu Bank was proposed.Among them,the operational risk prevention and control strategy should implement the "joint insurance" credit mechanism,focusing on risk transfer;the market risk prevention and control strategy should clarify the five-level classification criteria for credit risk,improve the risk tracking management system,and improve the non-performing loan reserve system;operation In terms of risk prevention and control strategies,the loan clerk ’s business literacy should be improved,the joint responsibility system of loan review personnel should be clarified,and the reward and punishment mechanism for non-performing loans should be implemented;Intervene.