Research On Credit Risk Management Of Small And Micro Loan Business Of CJ Bank

Among the components of Chinese economy,the status of small and micro enterprises is very important.Small and micro enterprises occupy a large number of major economic development components in the national economy,providing a great impetus for domestic economic development.Small and micro enterprises are mostly labor-intensive enterprises.Such enterprises provide more jobs for social employment problems,greatly ease the difficult problems of employment in society,and provide a new way for the construction of a harmonious environment for society.At the same time,small and micro enterprises have participated in the domestic market competition,and according to their large number,they have made up for the shortcomings of the scale and become an important part of the national economy.However,the congenital deficiencies of small and micro enterprises are also very obvious,such as small scale and low risk resistance.The most prominent problem in the numerous development problems of micro and small enterprises is the lack of development funds for enterprises,which in turn leads to the slow development of enterprises and the low ability to deal with financial risks.In order to cope with this phenomenon,the state,through the Guidance on Financial Services for Small and Micro Enterprises in 2016,has put forward a number of measures to improve the development of small and micro enterprises through the supportive role of the government and society.Provide more financing channels for enterprises to be underfunded.This research is through CJ bank to small and micro enterprise's business research sample,through the literature data method,the statistical analysis method to carry on the research to this question.Based on the relevant theoretical basis,this paper takes credit risk of small and micro loan business of CJ Bank as the research object,first expounds the definition and characteristics of small and micro loan business and the classification and formation of credit risk of small and micro loan business.And further explore the small and micro loan business credit risk management means.Secondly,this paper briefly introduces the general situation of CJ bank,and analyzes the credit risk of CJ bank from two aspects:discovery status and credit risk analysis.Finally,the potential risks of CJ bank management are studied to find out the root causes of risk.Moreover,the management measures of CJ Bank in this kind of business are fu.rther optimized from five aspects:strengthening the awareness of credit risk management,establishing a professional risk management organization structure,improving the credit risk measurement method,improving the credit risk warning mechanism,and strengthening the credit risk control.