A Study On The Credit Risk Control Of Micro Enterprises Of ICBC Liaozhong Branch

Small and micro enterprises developed rapidly, commercial banks become their main loans, but also face the risk of credit.Credit business is one of the important means of commercial banks, the level of risk control determines the final market competitiveness of commercial banksin a large extent.ICBC is the fifth largest investment bank in China, its small and micro enterprise credit business develops diversely, the credit business of small and micro enterprises achieved remarkable results, promoted the healthy development of small and micro enterprises and also improved its reputation in the industry.This thesis adopts case study and survey research methods, and combines the theoretical knowledge to analyzedomestic and foreign small and micro enterprise credit and credit risk control, based on this, research on the credit risk control of small and micro enterprises of ICBC Liaozhong Branch.Firstly, this thesis analyzed the advanced experience of the credit of small and micro enterprises in foreign commercial banks and the research on the credit control of small and micro enterprises in China. Secondly,analyzes the theoretical of small and micro enterprise credit risk control, and summarizedthe theory, including the definition of small and micro enterprises, the definition of credit risk, characteristics, classification and sources, the definition of credit risk control and technical means and so on. Then through the analysis of the credit risk control of small and microenterprises of ICBC Liaozhong Branchcase, including the introduction of Liaozhong Branch and head office of ICBCand risks control effortsassociated with small and micro enterprises. On this basis, summarizedthe small and micro enterprises in ICBC Liaozhong Branch credit risk control problems, summed up currently causes ofsmall and micro enterprise credit risk, and finally puted forward the micro enterprise credit risk control improvement program, improved the credit risk management system, optimized thesmall and micro enterprise credit risk control environment.