Research On The Credit Risk Control Of Small And Micro Enterprises In Agricultural Bank Of China Suzhou Branch

Small and micro enterprises are important players in China’s market economy,and they have made important contributions to the development of the national economy,the innovation of national science and technology,and the alleviation of employment pressure.At present,the credit business of small and micro enterprises has received more and more attention from banks,and all banks are looking forward to occupying more market shares of financial services of small and micro enterprises by developing small and micro enterprise credit services.However,small and micro enterprises have information asymmetry and "short,frequent,and urgent" credit characteristics in operation and management.As a result,many banks have serious concerns when conducting small and micro enterprises’ credit business.The demand for small and micro enterprises for credit funds cannot Completely satisfied.Based on the analysis of related domestic and foreign theoretical studies,this paper analyzes and summarizes the information asymmetry theory,credit rationing theory,and risk control theory,and takes the credit risk control of small and micro enterprises of Agricultural Bank of China Suzhou Branch as the research object.The current status of the credit business of small and micro enterprises,analyzes the existing problems,and proposes strategies for improvement.The main conclusions of this paper are as follows:(1)The main problems in the credit risk control of Suzhou Agricultural Bank’s small and micro enterprises are the deviation between the characteristics of small and micro enterprises’ credit and those of the Suzhou Agricultural Bank’s credit management system.Credit decision-making and approval processes are unreasonable,risk assessment and control mechanisms are not souud,and the quality of credit personnel needs to be improved.(2)In view of the above problems,relevant strategic suggestions are given.First,we should establish a scientific concept of credit risk control for small and micro enterprises,and analyze the theoretical basis and specific implementation measures of this risk control concept.Second,improve the credit risk control system for small and micro enterprises,and put forward specific improvement measures based on the analysis of the premise of improving the risk control system.Thirdly,use the big data of banks to carry out relevant credit product innovation based on the characteristics of small and micro enterprises’ credit business.Finally,we must strengthen the team building of credit personnel.