Research On The Optimization Strategy Of Credit Risk Management Of Small And Micro Enterprises In Bank H

Preventing and defusing the risks in the financial field is the nineteen major battle of the party.Resolutely doing a good job in guarding against and defusing financial risks is imperative.The supporting role of commercial banks to economic development is very important,and it is also the backbone of the financial sector.It plays a decisive role in economic development.In recent years,with the continuous opening of the financial market,foreign capital has continuously poured into the domestic market,and foreign capital holding banks and foreign holding certificate companies have emerged spontaneously.However,as a commercial bank,the most important financial risk is credit business.Risk restricts the development of various financial institutions.The occurrence of credit risk will lead to bank risk and bank risk is a matter of life and death of banks.In recent years,the number of non-performing loans of commercial banks has been increasing and the rate of non-performing loans is still high.This has become a stumbling block in the development of commercial banks.How to solve the burden of huge non-performing loans and how to prevent and manage credit risks has become a major practical problem faced by city commercial banks.In the commercial bank credit business,the proportion of small and micro enterprises loans is the largest,so how to do a good job in small and micro enterprises credit risk research is very necessary.In recent years,small and micro enterprises have promoted the continuous progress of the economy to a great extent.However,small and micro enterprises have particularity,it has a lower level of guaranteed loans and higher risks,the real situation of enterprise management can not be seen from the financial statements,the company does not have standardized governance,the collateral provided to banks is not enough to meet their preferences,so most of the support received by banks is insufficient,without the credit fund support of commercial banks,it will lead to a large number of small and micro enterprises capital chain tension and operating difficulties.There was even bankruptcy.And small and micro enterprises are an important customer group of commercial banks,which can not be abandoned,but strive to carry out credit for small and micro enterprises.There will be many uncertain risks in the business,so the research on the credit risk of small and micro enterprises has become a major problem that commercial banks need to solve.his paper expounds the current situation of credit risk management of small and micro enterprises in commercial banks,and systematically analyzes the deep-seated reasons for the formation of credit risk of small and micro enterprises in combination with the current economic situation.Taking bank h as an example,taking relevant financial and economic theories as the basis,this paper makes a systematic analysis of the defects and causes of Bank H,the reality of management business,etc.Combined with the local economic and financial development,taking the small and micro enterprises of wholesale and retail in the region as the representative,on the basis of on-the-spot investigation and research,from the perspective of products,services,risk management,etc.,design the risk management scheme and credit services that conform to the actual situation of small and micro enterprises.Finally,some suggestions on risk management optimization are put forward from the aspects of professional organization,personnel team construction,business process,credit culture construction and so on.