Research On Risk Management Of Small And Micro Enterprises Lending Of Commercial Banks

With the development of China's economy,the social status of small and micro enterprises(hereinafter referred to as “SMEs”)has become more prominent,which has proved to be the core force to promote social and economic development.However,the credit business of SMEs in China's commercial banks is still lagging behind,due to SMEs' own problems,such as the large operational risk,the weak profitability,the insufficient guarantee measures and etc.In recent years,the Government has introduced a number of preferential policies to encourage the development of SMEs,but the status of "financing difficulties" and "financing expensive" has still not changed.At present,it is of great practical significance to discuss how to strengthen the risk management of credit business while supporting the development of small and micro enterprises.Through the analysis of survey data,this paper mainly adopts the case analysis method to study the SMEs' credit business risk management system of Bank A.It can be divided into six chapters.The first and second chapter,on the basis of a large number of data and literature,introduces the background and significance of this study,the main research content and methods,and through the comparative analysis of domestic and foreign literature,elaborates the characteristics of China's small and micro enterprises credit business,laying a theoretical foundation for the follow-up of the article.The third chapter introduces the advanced experiences of Wells Fargo and China Everbright Bank in credit business risk management.In the fourth and fifth chapter,this paper analyses the credit assets quality and management status of Bank A' SMEs.It is concluded that the SMEs' credit business of Bank A has been developing continuously in recent years,but there are still some problems: the absent risk identification mechanism,the vulnerable credit approval process,the asymmetry incentive and constraint mechanism,the unsmooth information communication mechanism,the under-developed team construction,the unsound internal supervision mechanism and the incomplete credit data system.In the sixth chapter,this paper sums up the results of this study,and puts forward the corresponding suggestions to improve the management level of the credit business risk management of Bank A in terms of small and micro enterprises: establishing a reasonable incentive and constraint mechanism,a smooth information communication mechanism,a standard team training mechanism,a flexible risk management mechanism,a long-term product innovation mechanism and a perfect credit guarantee system.