Study On The Credit Risk Management Of Industrial And Commercial Bank Of China,Beijing CY Branch Small And Micro Businesses

As China’s economic structure adjustment and downward,the banking industry as a typical Pro cyclical industry,business growth and risk control into the mire.And as the country puts forward "supply side reforms,increase the credit business of commercial banks in transition pressure.Therefore,the commercial bank Small and micro businesses credit risk management is an important guarantee of quality,commercial banks maintain its security,liquidity and profitability.In this paper,the industrial and Commercial Bank of China Beijing CY branch as the research object,analyzes its Small and micro businesses credit business risk prevention work in all aspects.Firstly,for small and micro enterprises operating characteristics are analyzed,then expounds the domestic and foreign scholars in terms of credit risk theory,risk management theory,asymmetric information theory,credit rationing theory.Secondly,this paper to the industrial and Commercial Bank of China,Beijing CY branch as an example interpretation the concrete conditions of the small micro enterprise credit management,to industrial and Commercial Bank of China branch in Beijing CY small and micro enterprise credit risk is overall and credit business development itemized description,that the small and micro enterprise credit business risk prevention exist before the loan investigation authenticity is not enough,the credit rating results are not accurate,pricing mechanism lack of flexibility,post loan management work seriously,inspection and supervision lack independence etc..Again,this paper from the aspect of the whole life cycle of risk management from the loan before the survey risk,credit rating risk,risk of loan pricing,loan risk management from three aspects proposed the industrial and Commercial Bank of China Beijing CY Branch of the small micro enterprise credit business risk prevention countermeasures.And at last put forward the safeguard measures of credit risk management.The banking industry as an important force in China’s economic development,how to play leading role of the banking industry to the new economy,accelerate foster the formation of the new power supply is its tight encirclement,to turn the crisis into an engine,more become a key link in the process of China’s economic structural reform.Theory of the use of risk prevention,combined with Beijing CY Branch of China Industrial and commercial bank small micro enterprise risk prevention of the actual situation,after the initial establishment of a loan before the loan,the loan attempts to a full range of,practical and commercial bank small micro enterprise credit risk prevention system,to enhanced awareness of the risks of the industrial and Commercial Bank of China,Beijing CY Branch,improve the level of bank risk,improve the competitiveness of the industrial and Commercial Bank of China,Beijing CY branch and eventually make the bank in the increasingly fierce in the credit markets to sustainable development.