Research On Commercial Bank Management Operation Risk Based On Small And Micro Enterprise Credit Business

Chinese small micro-enterprisesarerapidly developing in recent years,and they have played a significant role in driving that particularly in the expansion of employment,the revitalization of th e economy,creating dem and,promoting competition and so on.But sm all businesses,there are some shortcomings,such as: the production of s mall-scale,low-tech,insufficient capital accumulation,and it can be fully ef ficient access to finance,it has become a key issue of sm all micro-enterprise healthy and rapid development.Smallmicro-enterprises,as the Chin ese economy's pillar industries,is the m ost basic unit cell in Chinese ec onomy,if their development is instable,macro-economic developments will face obstacles.In or der to achieve long-term stabilit y development,commercial banks must deal with the problem of small micro-enterprise credit risk management,and carry out risk management activities without prejudice to the need of small and micro business devel opment.With the small micro-enterprises accelerating to open up the credit markets,the reasonable control of credit risk is n ot only an important means of commercial banks to increase competitiveness,but also a key way to improve the bank's profitability.In this paper,we choose the current si tuation of credit financing of small and micro enterprises in China's commercial banks as the entry point,and make full use of the theory that the c redit risk management of s mall and m icro enterprises in commercial banks,with build identif ication or evaluation model for the analysis of small micro-enterprise credit risk,at last,propose a new method for control problems.With the empirical analysis of Bank of I nner Mongolia,we find the risk factors in small micro-enterprise credit financing,andanalysis,it's effectiveness and controllability,and make an innovative research on the theory and practice trough the process of micro enterprise credit business,the risk m anagement,the security m ode and so on,identify the small and micro-enterprise credit risk management problems in the Bank of Inner Mongolia,dig the lack of internal management of commercial bank,accurately position the key points and dif ficulties of risk m anagement,propose the corresponding countermeasures and construc tive opinions for th e issues raised by bank credit risk control and the sm all micro-enterprise financing dilemma,strengthen the competitive advantage of commercial banks in small and micro credit markets,improve the level of credit services to small micro-enterprise.This will provide an important reference,reference and practice for Chinese commercial banks that how to effectively control credit risk and find the new risk management ideas.