Research On Cmbc Small Micro-Enterprise Credit Risk Management

Small and micro-enterprises have effectively promoted China’s economic growth and technological innovation, and have created a lot of jobs. They are not only the fresh activists in China’s economic growth but also the basic cell and the life lines of our economy. However, financial difficulties of small and micro-enterprises have been existed for a long time.Under the external competitive pressures and the assessment of internal profit, domestic commercial banks will vigorously develop small micro-credit business as a business transformation opportunities.They have increased their investment in human, material and financial resources, plans to open up a vast new world of small and micro business. However, the credit risk in small micro-enterprise hinders the pace of progress in the commercial banks. Therefore, how to manage the credit risk of small and micro enterprises scientifically and effectively becomes imperative in expanding small micro-credit business imperative.This paper set the risk management theory as the analytical framework firstly, then combined with traditional management experience of domestic banks, and put forward a comprehensive management mode of small micro-enterprise credit. Practically, many commercial banks are operated according to this model, and achieved certain effect, but small and micro finance is still in its infancy. There are many problems of the credit risk management of small and micro-enterprises in commercial bank, such as unreasonable structure of risk management organization, internal credit rating system is not targeted an so on. After preliminary analysis, these problems are caused by the policy environment, small and micro-enterprises and commercial banks.To sum up the experience of small and micro credit management in domestic commercial banks and research on it focused, the paper take China Minsheng Bank for example, how to carry out its advanced experience accumulated on small micro credit risk management will be analysed emphasized. It pointed out that small and micro credit risk management are still not enough sound risk management systems and internal credit evaluation system is not targeted, unscientific loan pricing mechanism, the risk of early warning and information feedback, the mechanism is not perfect, small micro-financial products and services innovation is less totally five questions and then the source of these problems are analyzed.Finally, based on the five issues noted above, the paper proposed five suggestions for small micro-enterprise credit risk management:improve the risk management system, building a credit rating system, the establishment of risk-based pricing model, sound risk warning mechanism to speed up small micro-financial innovation.