Research On The Credit Risk Management Of Micro And Small Companies Of Bank Of Communications Hunan Branch

This research comes from the difficulties and problems encountered in the key strategic business process of supporting Micro and Small Companies by Bank of Communications Hunan Branch(“The Bank” hereinafter).With China's macro economy entering into the "new normal",our commercial Banks are facing more fierce competition.In order to seize the market,The Bank actively extends the strategic direction of credit business to micro and small compa nies.Therefore,on the one hand,The Bank optimizes the allocation of credit funds on the premise of ensuring the liquidity of capital,and constantly enlarg es the source of profit growth.On the other hand,The Bank manages the risk of credit project of micro and small companies,in order to improve the risk control ability of credit funds.This study will discuss in-depth the issues what The Bank faces in the field of credit risk management towards micro and small companies,then provides solutions and countermeasures to the problems.It is of great practical significance to promote the credit risk management of micro and small companies for local commercial Banks,which are represented by The Bank.This paper focuses on the credit business of micro and small companies in the Bank.At the beginning of this paper comes the background and significance of the research,which summarizes the theory and practice of information asymmetry theory and credit.And then through research in the credit of The Bank.Then,through to Micro and Small Companies credit business internal and external risk source analysis,and pointed out the problems existing in the credit risk management of micro credit and the causes of the problems.Finally,it is pointed out that The Bank could make more effort in credit risk assessment,credit risk monitoring,credit risk control and credit risk management.In the premise of ensuring the safety of capital security,small and micro credit funds will be directed to more efficient industries.This p aper also puts forward the corresponding implementation measures from the aspects of organization,system,business and joint defense.This paper has value in both practical and theoretical perspectives.Form practical perspective,this paper suggests suitable development strategy for the existing problems in the credit risk management of micro and small companies in The Bank.For theoretical perspective,this stu dy will help to promote the credit risk management for micro and small companies of local commercial Banks.