Research On Credit Risk Management Of Small And Micro Enterprises In Shaanxi Branch Of JT Bank

As an important force driving China's economic development,promoting employment and increasing residents' income,small and micro enterprises are playing an increasingly important role in China's economic and financial life.Since the 19 th CPC national congress,under the active support of China's policies,small and micro enterprises have been developing vigorously.The Chinese government also strongly encourages commercial Banks to provide policy loans to small and micro businesses for their sound development.However,the credit business of small and micro enterprises started relatively late in China's commercial Banks.Only the credit risk management for large enterprises was applied to small and micro enterprises,which could not meet the risk control requirements of small and micro enterprises.In addition,small and micro enterprises themselves do not have a long operating time,credit risks are high,and financing costs are too large,which makes Banks have great resistance to the credit risk management of small and micro enterprises.Based on the bank of JT,shaanxi province as the research object,comprehensive grasp the actual business situation and JT bank internal and external conditions,fully refer to commercial Banks at home and abroad research achievements and experience,for JT bank small micro enterprise credit risk management in a systematic analysis,and discussed the reasons behind the,the paper summarizes the risk management shortcomings.Finally,combined with the current small and micro enterprise credit business development status,put forward a series of feasible optimization programs.From the perspective of research content,this paper mainly involves the following aspects:Firstly,the credit risk management of small and micro enterprises in shaanxi branch of JT bank is comprehensively summarized from the subject background,research ideas and methods.Secondly,it summarizes the theories and achievements of credit risk management of Banks at home and abroad,lists the common risks faced by credit management at present,and expounds the status quo of credit management of small and micro enterprises in China.Subsequently,the shaanxi branch of JT bank was taken as the research object to have a comprehensive understanding of the credit risk management of the bank's small and micro enterprises,and to clarify the credit business process,system,credit products,risk treatment mechanism and other aspects of JT bank's small and micro enterprises.In view of the current situation to find out the bank in credit risk management deficiencies,and then in-depth analysis,analysis of the phenomenon behind the problems.Finally,based on the aboveanalysis,based on theoretical knowledge and combining with the actual situation of JT bank,this paper proposes feasible optimization scheme to improve the credit risk management level of small and micro enterprises of JT bank shaanxi branch.Through the risk management analysis of small and micro enterprise credit business of JT bank shaanxi branch,this paper will provide important reference for other commercial Banks.Due to the homogeneity of services among Banks,Banks can combine their own reality and learn from each other to promote the reform of credit risk management of their own small and micro enterprises,thus promoting the development of China's bank credit system.