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

Under the double effect of policy support and needing of credit loan,the increase support to small and micro enterprises from commercial banks make their rapid development.As a strategic inflection points,small and micro credit loan have been seen as a method to improve profitability,and commercial banks enlarge its investment.H bank as a city Commercial Bank,how to give full play to enlarge its small and micro credit loan and control its risk at the same time is an important problem to keep its long term strategic development.This paper,combined with the inherent risk characteristics of small and micro enterprises,analyzes the current situation of its credit risk management in H bank,summarizes the related problems of its credit loan risk control with the foundation of risk management theory,and propose countermeasures such as improve internal rating management,build access and investment targets,improve credit product innovation,regular management after loan,and so on.This paper study the existing management problems of small and micro credit loan in H bank deeply,points out the problems in risk management.It has reference meaning to solve credit risk management problem for commercial banks.Other financial institutions can also use this as a reference.