Research On Credit Risk Management Of Small And Micro Enterprises In Commercial Banks

In the process of national economic development,commercial banks play a pivotal role and are a very key driving force and component.Now,from the whole point of view,domestic commercial banks have some serious problems in credit risk management,such as the non-performing loan ratio has always maintained at a high level,the problem of non-performing debt is also quite serious,the level and effect of credit risk management is not optimistic.At the same time,as the big data and the further promotion of credit products,and post-loan management level constantly,such as credit risk evaluation system is not sound,the credit process execution become a mere formality,and so on,a lot of risk problems has been exposed,in the small micro enterprise credit risk management of commercial Banks suffered more severe challenges.T branch of G Bank is a typical state-owned commercial bank,and the current situation in the risk control of small and micro credit is also not optimistic.As the market environment changes,the branch should explore innovative ways to optimize credit risk management and actively consider ways to improve the ability to resist risks.Based on the perspective of applied research,this paper carefully and deeply investigates the credit risk management problems of small and micro enterprises in T branch of G Bank,summarizes relevant theories,explains the current situation,and reveals some existing problems.On the basis of theoretical research,combined with the market environment and actual situation of T branch of G Bank,this paper analyzes the existing problems in the risk management of small and micro credit respectively from five aspects: bank-enterprise information asymmetry,risk management process,incentive system,talent management,risk awareness and risk management.Then,effective suggestions are considered from the aspects of strengthening the construction of credit talent team and the promotion of risk culture,improving the risk management process of credit business,improving the incentive system,optimizing the credit risk evaluation system,and strengthening the online risk management mechanism,so as to provide guarantee for the expected results of the scheme.On the one hand,this study can provide valuable reference for the optimization and improvement of credit risk management of small and micro enterprises in T branch of G Bank as the research object,and it also has certain reference value for the related work of other commercial banks.