Research On The Credit Risk Internal Control Of Small And Micro Enterprise Loans Of S Rural Commercial Bank

Small and micro enterprises are an important part of the socialist market economy and play an important role in economic development.But for a long time,the financing problems of small and micro enterprises are common.In recent years,as market competition intensifies and business market saturates,commercial banks also gradually adjust strategic focus and increase the credit support of small and micro enterprises,the loans grew fast.Because of the inherent risk factors and the problems in the credit risk management of banks,loan credit risk is high,weakening the profitability of banks and business development is restricted.Based on credit risk and internal control,this paper research on the credit risk internal control of small and micro enterprise loan of S rural commercial bank,through the in-depth study and analysis,in order to improve the bank's credit risk management ability and promote the continuous development of small micro enterprise credit business.The research contents mainly include four points:Firstly,describe the organizational structure,management indicators,credit business situation,the situation of internal control of credit risk of small micro enterprise,point out the results are insufficient.Secondly,through the internal control environment,risk identification and evaluation,internal control activities,information communication and feedback and problem correction,analyze the problems in internal control of the credit risk of small micro enterprise of S rural commercial bank.Thirdly,using the comprehensive risk management,internal control,organizational behavior,strategic management and other related theories,aiming at the problems of this bank,propose improvement strategies.Finally,in order to ensure the effective implementation of the improved strategy and promote the healthy development of the bank's small micro enterprise credit business,put forward safeguard measures.In terms of domestic economic growth,banking competition and interest rate liberalization,commercial banks must continuously expand the market of small and micro businesses and strengthen the credit risk prevention,the risk management ability of commercial banks faces higher requirements.The problems of S rural commercial bank are common in other banks.This paper could be helpful to enhance the ability of the credit risk internal control of small and micro enterprise loan of S rural commercial bank and expected to provide reference for other commercial banks to effectively implement the internal control of credit risk of small and micro enterprise.