SJ Bank Small And Micro Enterprises Credit Risk Management And Control Research

Small and micro enterprise is the "light cavalry" of our country market economy development.It plays an active role in our country's economic development and social optimization and upgrading,and is the core force of our country's economic reform.In the 40 years since the reform and opening up,China's micro and small enterprises have developed rapidly.In particular,it has played a pivotal role in expanding social employment,easing employment pressure,increasing national income,improving people's livelihood,promoting prosperity and stability,increasing national taxation,and active market economy.Due to the small size,low quality,asymmetric information,and weak loan repayment ability of small and micro enterprises,the risk of small and micro credit business began to appear gradually.How to reduce credit risk,improve the level of credit risk management,enhance the credit profit space,and promote the healthy development of micro and small enterprises is the fundamental to the development of micro credit business,and is also the key to bank credit risk control.Taking SJ bank as an example,this paper analyzes actual credit risk control problems from SJ bank itself,and puts forward scientific countermeasures and Suggestions.Firstly,the thesis introduces the background of topic selection and research significance,introduces in detail the domestic and foreign research theories and the latest progress of risk control of small and micro credit,and expounds related theories of credit risk control.Next to the development of small micro SJ bank credit business and the present status of risk control are studied,it is concluded that SJ bank in small micro recognizing false information in credit risk management ability,risk control system is imperfect,information asymmetry and incentive mechanism of bank defective,such problems as insufficient credit product and service innovation,and the reason.In view of the existing problems and reasons,from strengthening the SJ bank small micro credit risk control system,establish the credit risk early warning mechanism,optimization for examination and approval of the credit business management,improve employee business ability level of specialization and Suggestions,etc,and the introduction of large data risk control countermeasures,so as to achieve the goal of controlling credit risk.It is hoped that the research process and countermeasures proposed in this paper can provide good reference value for risk control of small and micro credit of SJ bank,and have important reference significance for promoting the sustainable and healthy development of small and micro credit business of SJ bank..