Research On The Optimization Of Credit Risk Management System For Small And Micro Enterprises Of T-rural Commercial Banks

Rural commercial banks mainly serve local residents and small and micro enterprises.They support the operation and management of small and micro enterprises by issuing credit and make contributions to the local economic development.Driven by the rapid development of the global economy and finance,and driven by the comprehensiving implementation of the ruiral revitalization strategy,T County Rural Credit Cooperative has been restructured into T Rural Commercial Bank since it was approved by the Banking and Insurance Regulatory Bureau.Due to its historical uniqueness and many problems left over from history and other multiple impacts,the newly transformed T Rural Commercial Bank has gradually highlighted various problems after promoting a number of business expansion,among which the problem of credit risk is particularly serious,In particular,the credit risk of small and micro enterprises is becoming increasingly serious.The reasons for this are mainly due to the general low quality of credit business personnel,the imperfect loan risk prevention system,the low risk management ability of the system implementation,the unsound credit system,and the unsound internal supervision and management system.This paper starts from the current situation of the small and micro company credit risk of T Rural Commercial Bank,analyzes the various data of T Rural Commercial Bank,reveals the problems in the small and micro enterprises’ credit business of T Rural Commercial Bank,and tries to explain the shortcomings of the bank in the small and micro credit business operation process.On how to reduce the incidence of credit risk,improve the management ability and level of credit risk,and build T Rural Commercial Bank into a sustainable,high-quality and high-efficiency rural commercial bank,which has become the primary task faced by T Rural Commercial Bank and even all rural commercial banks.