Research On Credit Risk Management Of Small And Micro Enterprises In SW Rural Commercial Bank

Currently,China is confronted with various economic shocks,there are many pains and difficulties concerning the financing issues in the small and micro enterprises,and the central departments have drafted and published numerous documents from different perspectives to support the growth of the small and micro enterprises.Enhancing the capacity of financial service and energetically supporting the real economy have been proposed in 14 th Five-Year Plan.The small and micro enterprises are supported vigorously by the financial institutions,which can be said that the small and micro enterprise has created the great blue ocean market for the business development in the financial institutions.The rural commercial bank mainly provides the service for the local rural and small and medium-sized enterprises.Concerning the blue ocean market of small and micro enterprise,expanding the clients positively and managing the loan have been vital matters among the reform and development process of the rural commercial bank.However,the rural commercial bank is poor at the management of the loan,risk prevention and control,which is featured with the poor anti-risk ability and higher loan risk for the small and micro enterprise.On the basis of the research achievements at home and abroad,the implication of the loan risk management has been elaborated,the property and credit feature in the small and micro enterprise have been researched in the paper.The fundamental state and the management of loan in SW rural commercial bank at present especially in the small and micro enterprise have been introduced with the application of case analysis method and summarization method.The problems of deficient recognition for the risk of the loan in the small and micro enterprise,unscientific credit risk rating,unfulfilled loan monitoring,risk control deficiency have been found in SW rural commercial bank.The improvement measures have been proposed to help improve the management of loan risk for small and micro enterprise in SW rural commercial bank,and it can also offer a reference for other rural credit cooperatives and rural commercial banks.