The Study On Commercial Bank Review Strategies Of Small Micro Enterprise Credit Risk Control

With the rapid development of private economy, the small micro enterprise has become the important pillar of China’s economic development and social stability. Small micro enterprise in China’s labor cost advantage into full play, increase employment, encourage innovation, etc., all play an irreplaceable role, large and medium-sized enterprises in optimizing the economic structure, improve the efficiency of the market, perfect the market economic system, the role of small enterprises. With the development of financial markets and open degree unceasing enhancement, the small micro enterprise credit business of commercial bank is facing unprecedented competition and challenge. Under the background of the new market, small micro enterprise credit business strategy of "blue ocean" already open in an all-round way. To adapt to social and economic situation, minsheng bank, ningbo branch will be on the small micro enterprise credit business find new goals, develop new markets, "blue ocean" strategy aimed at small micro enterprises.This paper introduced the case study in XX branch of bank of the people’s livelihood, by collecting XX branch of minsheng bank small micro enterprise credit review data and actual data, the basis of the research on the credit review including system development, organizations, working procedure, operation procedures and personnel quality requirements and review of basic tools and other aspects of knowledge and information, analysis of XX branch of bank of the people’s livelihood bank problems existing in the small micro enterprise credit review of reason, and the causes of the formation background, source and the environment, elaborates systematically the risk of commercial Banks, to analyze the causes of risk and control method, drawing on the successful experience of domestic and foreign credit review and advanced management concept. On the basis of fully understanding the problem causes, and put forward improvement suggestion and method, in view of the problems of priorities to discuss improvement strategy implementation of slow sequence and the degree of improvement, the suitable credit control process, to improve the credit examination questions and small micro enterprise credit business process design. Finally is to put forward the improvement strategies in the implementation and effect analysis that can meet the needs of future business development.Study found that a new small micro enterprise credit risk management theory in the macro small micro enterprise credit risk management system level design, by making clear the credit development strategy and risk control plan to guide line of the actual business operation at the grass-roots level, through strict checks on authorization, credit management, taking the power of examination and approval of a certain effect to avoid credit risk. In the concrete Suggestions on work, through strengthening industry risk monitoring, enhancing risk management on key industries and dissolve the risk effectively, through post-loan management, classification and impairment to further enhance the capacity of risk cover, and by strengthening pricing and fund management to guard against market risks.