Research On Small And Micro Enterprises' Credit Risk Management Of C Bank

In our country,small and micro enterprises are very important.They are the undertaker to accelerate scientific and technological innovation.They will also strengthen employment status and promote social harmony.It has significant effect in promoting the optimization and upgrading of the industrial structure,as we'll as increasing the financial income and improving the gross domestic product.Small and micro enterprises play an important role in the national economic development,but on the other hand the financing of small and micro enterprises has not been well resolved for a long time.As we know,the small and micro enterprises loan business is an important part of the bank's credit business.So,the research on small and micro enterprises credit risk management has very important practical significance.This papar apply credit risk management theory,analyzes and discusses the the main reasons of non-performing loans of small and micro businesses by researching some particular cases.We can also find out the difficulties of small and micro enterprises credit risk management,and put forward the corresponding measures to solve them.This paper gets the approaches and methods of small and micro enterprises credit risk management by analyzing particular cases,and tries to find out measures to deal with difficult problems and control the risk by using these approaches and methods.In this case,the banks can increase their support to small and micro enterprises on the basis of risks having been controlled.As a result,the government,enterprises and banks will win together.This study will realize it's value if it can help small and micro enterprises to manage credit risk.