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

Under the background of the interest rate market,financial disintermediation,financial market competition,small and micro businesses loan business is the source of profits of commercial banks.However,it is the short board of the commercial bank.At present,China has not established a mature small and micro businesses loans system,resulting in the non-performing loans of commercial banks business to become the hardest hit.In the fierce market competition,commercial banks need to obtain profits through small and micro business,but also small and micro credit has increased the difficulty and workload of credit risk control.Shenzhen branch of XX bank is the bank to carry out small and micro credit business earlier,and is the bank to carry out small and micro credit business well.But with the growth of small and micro credit business scale,the scale of small and micro non-performing loans has risen.In order to promote the development of small and micro businesses credit business in Shenzhen branch of XX bank,the author uses the literature research method and case study method,combined with their own work experience,to study the small and micro non-performing loans of the Shenzhen branch of XX bank.After understanding the theory of small and micro businesses and non-performing loans,the paper introduces the situation of the small and micro businesses non-performing loans of the Shenzhen branch of XX bank.And the paper analyzes a specific case to discover the existing problems.Then the paper analyzes the causes of bad loans.At last,on the basis of domestic and foreign advanced experience,the paper puts forward equivalent measures.Through the study,it has an important role to reduce the rate of non-performing loans of small and micro credit business of Shenzhen branch of XX bank,and indirectly promote the possibility of small and micro enterprises to obtain loans from the bank.