The Research For Credit Risk Management Of Micro Small And Micro Enterprises In Y Bank

As an important strength to stimulate China's economic development and employment,small and micro enterprises have development potential and large numbers,but for a long time the difficult and high cost in financing have been restricting the development of small and micro enterprises in China.With the development of market-oriented interest rate and economic normalization,the attention of the banking financial institutions to small and micro enterprises has been continuously improved.Under the support of the government,financing difficulties,high cost financing of small and micro businesses has been improved,but the inherent problems of small and micro businesses like non-standard operations and high risk are hard to be improved.The banking financial institutions gradually fall into a dilemma of profit pursuit and risk control when providing credit services for small and micro businesses.As a newly established bank,Hainan Y Bank is relatively lack of experience in small micro credit business,the credit risk management of small and micro businesses face more problems for credit risk management of Hainan Y Bank.The study of small and micro businesses is of great significance for its transformation and development.Taking the risk management theory as the basic framework,the paper uses PEST and SWOT tools to analyze the Hainan Y Bank on its small and micro credit risk management of the internal and external environment.The paper combines with the current status of small and micro risk management of Hainan Y Bank,and finds the risk management problems existed before and after the loan process.The solution of the problems of risk management that exist before,in and after the loan in the whole process,is essential to enhance the quality of small and micro credit risk management in Hainan Y Bank.For the existing problems,the fourth chapter raises some scientific and reasonable suggestions based on the theory of risk management and the actual situation of Hainan Y Bank.Countermeasures and suggestions are purpose-targeted,it shall be executed throughout the whole process of small and micro credit risk management,it has a strong guiding significance to improve the risk control ability for Hainan Y Bank in small micro credit business in the whole credit loan process,as well as to enhance the ability of credit risk management for small and micro businesses.To better ensure the implementation of countermeasures,the fifth chapter of this paper puts forward the safeguard measures from four aspects of human resources,material resources,systems,compliance culture and so on,to ensure the smooth implementation of the relevant countermeasures and suggestions.The existence of the problems of Hainan Y Bank in small micro credit business risk management is universal in the banking and financial institutions,so the deep discussion for this issue is useful to solve the current difficult and high expenses of financing for small and micro businesses.With the homogenization of the small and micro service system among banking institutions,to learn from each other is the trend.The study of the credit risk management of small and micro enterprises in Hainan Y Bank,can both absorb the advantages of other banks in small and micro credit,and also provide reference for them.It is helpful and to has a strong practical significance to promote the reform of small and micro credit risk management.