The Research On Credit Risk Management Of Small And Micro Enterprises In TA Bank

In recent years,the development pace of China's small and micro enterprises is gradually accelerating.Small and micro enterprises play an important role in expanding employment,improving people's livelihood,promoting economic growth,and maintaining social harmony and stability.At the same time,due to the joint promotion of national policies and economic situation,commercial Banks pay more and more attention to the credit market of small and micro enterprises.Banks have opened up the financial services sector,transformed the credit model,innovated credit products,and gradually increased the total amount of loans to small and micro enterprise.However,due to factors such as opaque information,unstable operating conditions,poor risk tolerance and imperfect financial system,the default risk of small and micro credit businesses often occurs.Therefore,it is very necessary for commercial Banks to control the credit risk of small and micro enterprises and further strengthen credit risk management.This paper looks at TA Bank's small and micro credit business.Based on the details of the relevant credit risk management theories,this paper draws on the research results of domestic and foreign scholars and sorts them out.Through the analysis of the credit situation of small and micro enterprises in China and the TA Bank's risk management situation of small and micro enterprises,we discovered the TA Bank's key issues and causes in the credit business of small and micro enterprises,such as information asymmetry,targeted weak credit evaluation system,lax supervision,and imperfect risk warning mechanism.By using the four basic game models of game theory,this paper further analyzes how to make Banks and small and micro enterprises win a win-win situation in the game process.Finally,some proposals on the risk management of TA Bank's credit business of small and micro enterprises are recommended.That is,improve the credit rating system before lending to improve the judgment and identification ability of TA Bank for small and micro enterprises,improve the risk warning mechanism in lending to reduce the risk of default,strengthen post-lending management to timely respond to high-risk situations,etc.