| With the continuous rise of small and micro enterprises,they have gradually become the cell body of our national economy,not only creating output value,driving employment,stabilizing social order,but more importantly,increasing tax revenue,has promoted our country economy vigorous development.Therefore,to stimulate the vitality of small and micro enterprises,not only to create a good business environment,but also to provide good financial support services.But all along,small and micro-enterprises financing difficult financing expensive problem has not been fundamentally improved.Such as small and micro-enterprises lack of qualified collateral,high cost of default,low credit,lack of financial data,difficult after-loan management,so that commercial banks are deterred.Commercial banks in the process of supporting the growth of small and micro-enterprises are facing a lot of risks,paid a lot of costs,forming a lot of non-performing loans.In recent years,especially after covid-19,our government has been issuing policies to solve the problem of small and micro enterprises,requiring commercial banks to increase credit support for small and micro enterprises.At the same time,the high-risk and high-return of credit business also impels commercial banks to improve their ability to manage the credit risk of small and micro enterprises.Based on the author’s work,this paper takes H Rural Commercial Bank as the research object,and studies the relevant theoretical basis of credit risk management of small and micro enterprises in commercial banks at home and abroad,in the form of questionnaires,access to the bank’s credit information,etc.,it is found that there are many problems in credit risk management of small and micro enterprises in H Rural Commercial Bank,such as short board in construction of small and micro credit team,lack of compliance consciousness,not strictly following the "Three-check" system of loans,lack of supervision,high risk concentration,weak scientific and technological strength,etc..In this paper,the use of case analysis,qualitative and quantitative analysis of these issues in-depth detailed and comprehensive analysis,from the organizational structure,talent team,evaluation and incentive program,credit product innovation,improve compliance management,improve the internal control system,improve the credit operation process,improve the construction of small and micro enterprises database,enhance the ability of science and technology enabling business and other dimensions put forward targeted optimization measures.This paper puts forward some feasible measures for credit risk management of small and micro enterprises in rural commercial bank of H.At the same time,it also provides valuable reference cases for other commercial banks in small and micro enterprise risk management. |
