Research On Credit Risk Control Of JS Rural Commercial Bank Small And Micro Businesses

Small and micro businesses are important foundations for national economic and social development,and are important channels for entrepreneurship and enriching people.They play an important role in expanding employment,increasing incomes,improving people's livelihood,promoting stability,national taxation and market economy.In recent years,Small and micro businesses in the rapid development of intensive introduction of national policy support,Small and micro businesses loans in the corresponding national small and micro enterprise development to obtain a rapid development,its scale in the proportion of bank assets in the current rising rapidly,more and more commercial banks will Small and micro businesses loans as a key credit business expansion.However,in the current specific financial market environment,small and micro businesses loan has many potential risks due to the characteristics of"many pen,small amount,less information,short process,and difficult control and management".Small and micro businesses credit is an important part of Jinan bank where the credit business of commercial banks,so to carry out the Small and micro businesses credit,can effectively control the risk,has become an important part of the overall credit business of JS bank inspection operation,and the main measure of sustainable development.Taking JS bank small and micro enterprises credit business as an example,this paper takes literature search,induction analysis and model analysis as an example.The paper is mainly composed of five parts:the first part is the introduction,which mainly elaborates the background,purpose and significance of the research,and the research methods and the current research situation both at home and abroad.The second part is the overview of small and micro businesses and credit risk theories,mainly for small and micro businesses and credit risk management issues,which provides a theoretical basis for this research.The third part analyzes the credit situation of JS bank small and micro enterprises,analyzes the basic situation of JS bank credit and the problems of credit risk management.The fourth part is the risk analysis and risk measurement of JS small and micro enterprises,which lays the foundation for the preventive measures.The fifth part of JS bank small and micro enterprise credit risk prevention measures,according to the cause analysis,put forward management risk,environmental risk,credit risk,operational risk and other specific prevention and control measures.This study will help to further strengthen the credit risk management of JS small and micro enterprises.Summarize the experience of risk management in time,solve the existing problems in the risk management,and promote the healthy and rapid development of the credit business of small and micro enterprises.At the same time,it can help JS bank to provide strong support to control overall credit risk and achieve continuous upward development.At the same time,this paper can also provide reference for the credit risk control of small and micro enterprises in the same industry,which can be popularized and replicable.