Research On Small Micro-enterprise Credit Risk Control Of Fujian Haixia Bank

Small and micro economy is an important part of the national economy,not only can bring a lot of employment and financial income,but also can continue to meet the diverse needs of the masses of the people,improve the quality of life.However,the arrival of new economic status makes the development of small and micro enterprises in China facing unprecedented difficulties,and then led to a sharp decline in the safety margin of small and micro credit assets of commercial bank,it is imminent that commercial banks strengthen the risk control of small and micro credit.In order to give full play to the city commercial bank support of small and micro regional economic development,optimize the risk control model of small and micro credit businesses,promote optimization and innovation better of the bank small and micro credit businesses,based on the domestic and international research,after the small and micro credit risk control theory is briefly introduced,the article analyze risk control situation and existing problems of small micro credit business,and introduce the advanced experience in the small and micro credit risk c control of the Wells Fargo Bank,Minsheng Bank and the Bank of Ningbo.On this basis,the article thinks that the bank optimization of small micro credit risk control should reshape the small micro finance strategy,in-depth segmentation and selection of the market,identify the market breakthrough,constantly promote the optimization of business process and business model innovation,strengthen counter cyclical regulation,continue to improve the ability of small micro-enterprise credit risk control.