Risk Prevention Of Non-performing Loans In Small And Micro Businesses Of Conmmercial Banks

Small and micro enterprises have great potential for development and huge quantities,which are important forces to stimulate China's economic development and employment.On the way forward in the market economy,small and micro enterprises have gradually attracted the attention of financial institutions.The relevant government departments have also issued documents and policies to support the development of small and micro enterprises,requiring commercial banks to increase financial support for small and micro enterprises.However,due to the influence of macroeconomic situation,asymmetric information between banks and enterprises,weak foundation of small and micro enterprises,imperfect risk rating mechanism of small and micro enterprises in banks,non-performing loans of small and micro enterprises have increased year by year.This not only brings losses to the banking and financial institutions,but also increases the risk of the development of small and micro enterprises.Small and micro enterprises need stable and sustainable development,which is inseparable from financial support from commercial banks.In recent years,China's commercial banks are also through positive and innovative management methods to achieve batch marketing,platform declaration,data audit,so that small and micro enterprises to handle credit business more convenient and popular.However,due to the management characteristics of our commercial banks and the characteristics of the financial environment of small and micro enterprises,coupled with the small and micro enterprise finance in our country is still in its infancy,leading to the development of small and micro enterprise credit business in commercial banks in the process of non-performing loans are not fully mature and suitable management model,operation model can be imitated and used for reference.This paper introduces the development status of the small and micro enterprise credit business of CCB B branch by introducing the B-branch behavior of CCB,and finds out the problems in the post-loan loan process.Combined with the 120 questionnaires distributed,the internal and external causes of non-performing loans of small and micro enterprises in CCB B sub-branches were analyzed.Through the comparison between CCB and Citibank's credit risk prevention,we will learn from experience to further improve the preventive measures for non-performing loans of small and micro enterprises,effectively reduce the non-performing loan ratio of small and micro enterprises in China's commercial banks,and accelerate the overall development of China's commercial banks.Commercial banks and other financial institutions generally have problems of non-performing loans of small and micro enterprises increasing year by year.Through the in-depth study of branch B of CCB,this paper puts forward effective preventive measures for commercial banks and other financial institutions to provide new reference,help to solve the current difficulties of commercial banks in small and micro enterprises on non-performing loans,and strengthen the risk prevention of small and micro enterprises on non-performing loans,has a strong practical significance.