Research On Risk Control Of Credit Business Of Small And Micro Enterprises In Bank A

Because of the limitation of their own resources,the volatility of business development in the market competition is quite obvious,and small and micro enterprises grow bigger and stronger,in the process of diversified operation,the demand for capital is relatively strong,the internal financing of small and micro enterprises can not meet the demand of their own financing activities,so the external financing is the most important source of capital for small and micro enterprises.It is very important for commercial banks to carry out risk management and control activities of small and micro enterprise credit business.In recent years,the scale of small and micro enterprise credit business of bank a has been continuously improved,which not only improves the comprehensive income of bank a,but also plays a more obvious role in supporting the development of regional small and micro enterprises.However,there are some problems in the current risk management and control activities of small and micro enterprise credit business of bank a The non-performing rate of micro enterprise credit business has gradually increased,which restricts the sustainable development ability of Bank A's small and micro enterprise credit business.Therefore,based on the shortcomings of Bank A's small and micro enterprise credit business risk management work,this paper puts forward the risk control of small and micro enterprise credit business,hoping to reduce the risk generated by bank a's small and micro enterprise credit business on the basis of respecting the risk objectivity,and make contribution to the sustainable development of Bank A's small and micro enterprise credit business.Based on the theory of comprehensive risk management and information asymmetry,this paper summarizes the reality of the development of Bank A's small and micro enterprise credit business,and puts forward the risk control of Bank A's small and micro enterprise credit business through risk identification and analysis.The research content of this paper is as follows.The first part as an introduction introduces the research background and significance of this paper,and summarizes the literature of domestic and foreign experts and scholars on credit risk management and control of small and micro enterprises,and defines the research content and methods of this paper.The second part introduces the concept of small and micro enterprise credit business and the theory applied in the research process.Based on the comprehensive risk management theory and information asymmetry theory,bank a's small and micro enterprise credit business risk management and control activities are reasonable.The third part is the reality of a bank's small and micro enterprise credit business risk management and control.Through the summary of the development of small and micro enterprise credit business,the paper identifies and analyzes the risk of small and micro enterprise credit business,and introduces the inadequacy of small and micro enterprise credit business risk control at this stage.In the fourth part,based on the results of risk identification and analysis,the paper puts forward the countermeasures and suggestions on the risk management and control of small and micro enterprise credit business of bank a.The fifth part is the guarantee measures for the risk control of small and micro enterprise credit business of bank a.The sixth part is the conclusion of this paper,summarizes the research content of this paper,and puts forward the development direction of credit risk management and control of small and micro enterprises in the future.The importance of small and micro enterprise credit business in bank a's financial business is self-evident.On the basis of the rapid development of Dalian's urban economy,the demand for small and micro enterprise credit business is more vigorous with the growth of small and micro enterprises.Through this study,the risk of Bank A's small and micro enterprise credit business is identified and analyzed,and the risk management and control of Bank A's small and micro enterprise credit business is proposed In this way,bank a can scientifically allocate the resources of small and micro enterprise credit business with the help of scientific risk management and control system,and timely adjust the business structure according to the actual needs of small and micro enterprise credit business risk management and control activities,so that the competitiveness of small and micro enterprise credit business can be further improved,and the operation and development of small and micro enterprises can be further improved The positive effect will also be more obvious.Bank a can further enhance its comprehensive competitiveness with the help of small and micro enterprise credit business.Therefore,this study has certain practical significance for the sustainable development of Bank A's small and micro enterprise credit business.