The Small Micro-enterprise Credit Risk And Prevention Of Rural Commercial Bank Of Shandong Linzi

Small and micro-enterprise credit business has obvious risks, which is determined by the characteristics of micro-enterprise.Small and micro-enterprise credit business as the Rural Commercial Bank of Shandong Linzi’s main credit business,its loan balance exceeds 60% of the bank’s stock of loans, so small and micro business credit risk prevention system construction has become essential.This article is divided into six parts, the first part is introduction, mainly introduced the research background, purpoes, significance, and theoretical research results at home and abroad, and briefly introduce the paper structure, research methods and innovations; The second part is theoretical research, mainly introduced the meaning of small micro enterprise and small micro credit business, defines the concept and characteristics of the credit risk, the concept of risk prevention and methods, and systematically relate the basic theory and application; The third part introduces the more classic small micro-enterprise credit risk business case, including domestic and foreign small micro-enterprise credit technology and measures; the fourth part is the establishment of small micro-enterprise credit risk evaluation system, mainly from the macro, meso and micro analysis and selection of indicators in three dimensions, and established the comprehensive evaluation model of class time, so as to build a small commercial Banks Enterprise credit risk evaluation system; the fifth part is the empirical part to rural small micro-enterprise credit business of the Rural Commercial Bank of Shandong Linzi as an example, mainly according to bank of different customers, using the flexible index system, evaluation system of the fourth part builds application and validation; the sixth part is the combination of bank’s actual situation, proposed in view of the Rural Commercial Bank of Shandong Linzi to small micro-enterprise credit risk prevention countermeasures, to dissolve the credit risk.