Research On Credit Risk Management Problems Of Small And Micro Enterprises In X Bank

With the continuous development of market economy in our country,the domestic small micro enterprises developed rapidly and become the most dynamic and the most development potential enterprise groups,they have played a huge role in the terms of economic growth and solving the problem of employment.,but the financing difficulties have become the main obstacles for the further development of enterprises.For the reason of unstable operation and opaque financial information,credit funds for small micro enterprise face quite great credit risk,at the same time,commercial banks will reduce lending to small micro enterprise to reduce the risk,so improving the level of bank credit risk management is the key to developing small micro enterprise credit business.Through the analysis of this paper,we can see that with short?frequent?urgent characters,small micro enterprise is small in scale and weak to resist risks,at the same time both enterprise security risk and mortgage risk are obvious.As X bank for example,the paper analysis the small micro enterprise credit business model and the status quo of risk management.From the angle of before loans,credit and the system construction,the paper concluded that in the respect of the small micro enterprise credit risk management in X bank,the business growth is too fast,the interest rate is generally high,the product is too radical,the risk control is not strict,the lack of small micro enterprise credit risk measurement system and risk early warning mechanism exists,information asymmetry and adverse selection risk intensified.All these problems are resulted from the following points,for example,as the economic downturn,small micro enterprise survival is being tested;the innovation ability of small micro financial products is insufficient;the information is asymmetric between the Banks and companies;the construction of talent team is not perfect;risk management system lacks a unified.To better safeguard the implementation of the small micro enterprise credit risk management system,I put forward suggestions from the respects of strengthening the construction of credit department of small micro enterprise itself,establishing a perfect talent team,providing quality products and services,improving the ability to deal with risky assets to improve the system of X bank credit risk management,so as to achieve the goal of risk control.