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

Small and micro businesses has become a huge China highlight in the economic development,especially in the "Internet plus" and double background,Small and micro businesses,especially high-tech Small and micro businesses showed the vitality of this type of business has gradually become an important absorption of social employment a channel,and promote economic development strength.However,due to the weakness of small and micro businesses,the financing difficulties of small and micro businesses have always been the bottleneck of restricting their smooth development,and also the direction of the government's efforts for many years.In today's market economy,the capital market is maturing,the market in many large and medium-sized enterprises to obtain stable funds from different channels,so that it will reduce its contribution to the bank,how reasonable in the internal development bank to many Small and micro businesses to provide credit business in China the domestic economy market today has become the different structure of small and medium sized commercial banks of the original credit business to adjust,make their own internal profit level is always maintained at a higher profile,an inevitable choice to unswervingly follow the road of sustainable development.The Bank of Jiangxi as the future direction of development of a local joint-stock banks is Small and micro businesses financing service to support local Small and micro businesses development,then,Jiangxi banks to prevent the credit risk in doing good Small and micro businesses credit services at the same time,should be the key to future development,Only by establishing a perfect credit risk management mechanism of small and micro businesses and reasonable and scientific risk measurement and evaluation system can Jiangxi bank effectively control the excessive credit risk,so as to better meet the financing needs of many small and micro businesses.This strategy not only for the bank as a separate individual development has a very important meaning,but also the ever present problems essentially solve the financing difficulties of Small and micro businesses,but also the potential price of deeper mining Small and micro businesses which contains the value and future development of China continued to promote China's economic development has a very far-reaching significance.On the basis of relevant literature review,this paper mainly studies the following aspects:Firstly,the theoretical basis of credit risk management of small and micro enterprises in the bank.First,we define small and micro enterprises according to the "small and medium-sized enterprise standard",which is jointly initiated by several parts of the Ministry of industry and information,then analyze the characteristics and current development of small and micro enterprises.On the basis of defining credit risk and credit risk management,this paper analyzes the classification,characteristics and influencing factors of credit risk in small and micro enterprises.Combing expert system model,credit scoring model,VAR value at risk model,KMV's stock price based credit risk model and fuzzy comprehensive evaluation model can effectively reflect the credit risk management situation of small and micro enterprises.Secondly,the status quo of credit risk management of small and micro businesses in Jiangxi bank is analyzed.According to the annual report of Jiangxi bank in 2016,the types and operation processes of credit business of Jiangxi small and micro businesses are summarized.The problems of bank credit management in Jiangxi are pointed out: there are risks in guarantee management,low efficiency in credit business,imperfect internal supervision and restraint mechanism,and imperfect management after loan.Thirdly,summarize the Countermeasures of Jiangxi bank credit risk management is to improve the bank's internal risk management to set up the system,in addition to a specific risk of looking for the establishment of a scientific assessment of the appropriate model,improvement and innovation of Small and micro businesses financial service model to solve the credit risk with to use this model,and the construction for many Small and micro businesses big data platform,good management after loan.