| The domestic economic environment is getting better and better,and small and micro enterprises play a higher and higher role in the domestic economic structure,playing a more and more significant role.In recent years,the relevant policies issued by the relevant state departments have brought a very optimistic space to the development and financing of small and micro enterprises.With the strong support of the state,small and micro enterprises develop at a high speed.However,from the financial perspective,banks often have more concerns in the process of providing loans to small and micro enterprises.Most of these concerns are the judgments made by banks out of their own risk control and combined with the actual operation situation of small and micro enterprises.In the process of providing loans to small and micro enterprises,the credit business provided by the banks not only directly affects the correlation between the real economy and the financial industry,but also controls the extent and efficiency of economic growth to a certain extent.From this point of view,in the process of providing credit services,Chinese commercial banks need to establish a more perfect credit approval mechanism to ensure the stability and integrity of the business system of commercial banks.This paper with HD agri-commercial bank small micro credit risk prevention and control as the research object,reference at home and abroad on the commercial bank small micro enterprise credit business risk prevention and other literature research,combined with the actual needs of the bank in credit risk prevention and control,in-depth analysis of HD commercial bank credit business,credit risk sources and credit risk prevention and control status quo,through the actual understanding of HD agri-commercial bank credit risk prevention.The question of the bank’s risk control in pre-,during and post-loan was raised.It was found that there were mainly a non-standard credit rating,the quality of customer information collection was not high,the unreasonable design of the product in the loan,and the backward early warning mechanism of the system after the loan,and the causes were analyzed from the macro environment,small and micro enterprises and commercial bank branches themselves.In addition,HD Rural Commercial Bank small and micro credit risk prevention and control optimization plan and guarantee measures.The article guarantees the implementation of the plan from the establishment of small and micro credit management team,establishing compliance awareness,strengthening system construction and improving the risk prevention and control management mechanism,so as to achieve the purpose of controlling credit risks.It is hoped that the research of this paper can promote the steady and rapid development of the small and micro credit business of HD Rural Commercial Bank,so as to respond to the national policy call with practical actions,and support the development of inclusive finance with the financial living water. |
