Research On The Credit Risk Management Of Small And Micro Enterprises In The S Branch Of Minsheng Bank

As an important part of our national economy, small and micro enterprises in promoting economic growth, creating jobs, improving the ability of science and technology innovation and promoting social harmony and stability, play an important role. In the process of the development of small and micro enterprises, the difficulty of financing has been a bottleneck restricting its further development. To this end, the state has also introduced a series of policies to help small and micro enterprises financing, to encourage commercial banks to provide financial support for them. For commercial banks, due to the increasingly fierce market competition, they are actively looking for new business growth point, in the country to support small and micro enterprise financing in the context of various commercial banks have to test the water small and micro enterprise financing business. Taking into account the characteristics of small and micro enterprises, its financing business has a high risk, coupled with the current macroeconomic situation in China is facing more uncertainties, downward pressure is great, so how to deal with the problem of credit risk has become the focus of attention of various banks.Based on risk management theory as the framework, combined with the author’s many years of commercial banks in credit risk management of the work of the study. First, the background and significance of the research on the risk management of small and micro credit business. The concept and theory of credit risk management are summarized, which provides a theoretical basis for the full text of the study. The concept and measures of small and micro credit risk management of S branch of Minsheng Bank are pointed out. The problems are pointed out, the main performance is not fine, the risk management system is not perfect, the access approval is not strict and the risk warning mechanism is not perfect. Analyze the internal and external factors that affect the risk of small and micro credit, the risk is divided into three categories, such as credit risk, operational risk and market risk. Measures to develop the credit risk control, including the strict control of credit access, strengthen the loan before the audit and loan management, as well as the establishment of risk warning system, etc.. Combined with a cluster of credit projects, the loan before the survey, credit programs and risk response and other specific measures.The research of this paper can be used to guide the risk identification and control of S branch, and it has the help to the branch of stable operation and small micro finance business. At the same time, it also has reference value for other commercial banks credit risk management.