Research On Risk Control Of Small And Micro Credit Business Of Bank N

In last 15 years or so of high-speed economic growth hides the volatility of the economy itself,during this period,loans the excess supply of makes quite a number of companies jiang and deathless,delayed the time of concentration of risk outbreak.Small and micro-sized enterprises are responsible for broadening the wealth of the society,and are also responsible for broadening the field of employment,and there is an indispensable main position in the economic society.Small micro enterprise financing cost is high,the success rate is low,when the overall economic environment is bad,because its production scale is small,weak ability to resist risk,cause of small micro enterprise credit business risk control is becoming more and more difficult,and multifarious,therefore,how to small micro enterprise credit business risk for scientific and efficient control,as eyes N Banks continue to develop small micro enterprise credit financial market priority.Based on the small N bank credit business risk control as the object,in accordance with the present situation of the local credit financial market in ningxia,combined with literature review,questionnaire interview method and quantitative analysis,analysis of N bank small micro enterprise credit risk control problems and causes,and puts forward an effective method for small micro enterprise credit business risk control,in order to control N bank have some reference small credit business risk,strong reducing amount of non-performing loans and non-performing loans,improve the sustainable development of small N bank credit business.