The Research On The Credit Risk Management Of Small-micro Enterprises In Commercial Banks

In China, the number of small-micro enterprises, small-micro enterprises have become the backbone of China’s economic development. Small-micro enterprises in the increase in GDP, tax paid, and promote industrial structure optimization and upgrading, played a huge role, and vice versa is to promote scientific and technological innovation, the consolidation of employment, and promote social harmony. However, there are still a series of problems in the development of small-micro enterprises, especially small-micro enterprise management difficulties, financing needs is difficult to solve, China’s government departments repeatedly introduced policies to support the development of small-micro enterprises, commercial banks also actively carry out small-micro enterprise credit business to support small-micro enterprise development, increase investment in credit funds and gradually ease access threshold, focus on building a good relationship between banks and enterprises. However, due to the small-micro enterprise itself financial system is not perfect, the smaller the asset size, the management of the mixed theory, the operation of the operator’s credit consciousness is relatively weak and complex business conditions and other factors, small micro enterprise credit risk gradually exposed. Especially in recent years, coal, steel and other industries, the economic downturn, many small-micro enterprises operating difficulties. Commercial banks to small-micro enterprise credit mechanism is not perfect, the information asymmetry phenomenon is serious, social credit system is not perfect, commercial banks urgent need perfect small-micro enterprise loan risk control. Small-micro enterprise credit risk management and control in the commercial banks in the credit business to occupy the top position. Through the analysis of the small-micro enterprise credit business and risk management, this paper analyzes the characteristics of small-micro enterprises, and analyzes the types and causes of the credit risk of small-micro enterprises. By analyzing and summarizing proposed strengthening risk management guarantee guarantee circle, the establishment of clean and efficient credit staff and borrowers to achieve internal information sharing, strengthen executive power and post-loan management, credit products innovation, strengthen capital constraints and accelerate the credit business and other aspects of restructuring proposals to strengthen small-micro enterprises and countermeasures of credit risk management.