Research On Credit Risk Management Of Small And Micro Enterprises In L Branch Of China Construction Bank

Currently,the importance of small and micro enterprises in China's economic development has become increasingly prominent.But for various reasons,The financial problems of small and micro enterprises is becoming more and more serious.Resulting in small and micro enterprises basic financial needs are difficult to meet,and the business development scale and operating conditions are severely restricted.Under the competitive pressures and the assessment of profit,domestic commercial banks have increased investments and planed to vigorously develop small and micro enterprises credit businessas a business transformation opportunities.It is difficult to manage credit risk of small and micro enterprises as imperfect management mode and non-standard operation of banks.So it is urgent to solve how to manage credit risk of small and micro enterprises effectively.This paper takes the credit risk management of small and micro enterprises of L branch of China Construction Bank as an example,introduces the credit risk management status of small and micro enterprises in L branch and reveals the problems existing in the credit risk management of small and micro enterprises and the reasons.Propose the combination of data analysis and big data visualization principle and credit risk rating of small and micro enterprises and loan management.Build an efficient and scientific credit risk rating and loan warning model to promote the credit risk management level of small and micro enterprises in L branch...