| Small and micro enterprises are the general designation of all small and micro enterprises except for all kinds of large and medium-sized enterprises.In the past ten years,with the continuous upgrading of China’s economic growth rate,the business types and volume scale of small and micro enterprises in China have been continuously developing and expanding.At present,they have already played an important driving force group that cannot be ignored in China’s national economy.However,under the background that the overall operation of China’s economy is currently in a downward trend,these small and micro enterprise groups generally have the characteristics of unstable operation,high financial risks,lack of credit collateral,low transparency of operation information,etc.At the same time,in the process of survival and development,they are accompanied by many environmental risks such as rising financing costs,declining profit margins,low willingness of commercial banks to actively support,etc.,which pose great challenges to the credit risk identification and prevention of commercial banks.Therefore,through the thinking and research of this article,effectively identifying and analyzing the credit risks of small and micro enterprises in China,and putting forward practical and feasible prevention countermeasures,can fundamentally improve the level of identification and prevention of small and micro credit risks in commercial banks and support the confidence of developing small and micro enterprises,thus promoting the rapid development of our national economy.Therefore,based on the background of the current situation of small and micro enterprise credit risk of industrial and commercial bank branch m,a very representative bank,this paper skillfully combines theory with practice,conducts empirical analysis on a part of small and micro enterprise information data collected by the author in industrial and commercial bank branch m through Logistic model,divides the information data into two types of quantitative indicators and qualitative indicators,and analyzes the main risk factors of small and micro enterprise credit risk of branch m,This paper points out the problems existing in the financing of small and micro enterprises supported by ICBC branch m,and then puts forward the identification and prevention countermeasures of credit risks of small and micro enterprises in branch m.Based on a large number of literature reading and research,this paper holds that the credit risk identification and prevention control strategies for small and micro enterprises are related to the development of China’s national economy,while the credit risk identification and prevention strategies for small and micro enterprises in commercial banks can be improved simultaneously from the aspects of paying attention to the identification and prevention of financial risk factors for small and micro credit in commercial banks,improving the risk management level of non-financial factors for small and micro credit in commercial banks,and improving the overall quality of professional credit staff in commercial banks,so as to achieve better results. |
