Research On Small Micro Enterprises Credit Risk Management Of Tianjin Minsheng Bank Branch

The small businessare an important part of our national economy system,which not only promote the development and innovation of science and technology,but also enhance the market competitiveness,reduce the monopoly of the industry,and promote the improvement of people's living standards,the asset strength is weak,involving the private lending and other high risk characteristics,leading small and micro enterprises to long-term financing difficulties,which has become a key problem restricting benign development of mall business.Commercial bank credit business is themost important financing channel of enterprises,but also an important profit way of commercial banks themselves,the " blue ocean" of small and micro finance has been valued by more and more commercial banks.Therefore,strengthening the control ability and identification of credit risk of small and micro enterprises,providing financing support for small and micro enterprises,promoting the healthy development of credit business of small and micro enterprises,has important theoretical and practical significance to the long-term development of Guo Shang bank and small and micro enterprises.The people's livelihood bank,as a national commercial bank established by the private capitl,has been to strengthen the small and micro finance as a development strategy,Solve the problem of lack of funds for many small businesses.less than ten years.However,when the loan balance of the small micro-enterprise of the people's livelihood development to the large scale of billion,some hidden troubles and problems in the risk prevention of small and micro credit business are gradually emerging.Research on these problems will help to help the people's livelihood bank credit business more risk.China's financial sector reform is entering the deep water area,the unique business model and business development concept of people's livelihood bank,has important reference value.This paper is based on the livelihood bank,the small and micro financial business as one of the three strategies,the perspective of small and micro credit business in Tianjin branch,examines the credit risk of small and micro enterprises,and puts forward solutions and countermeasures for the problems.This paper,based on the theory of financing and risk management at home and abroad,analyzes the problems of the people's livelihood bank Tianjin branch in credit risk management from three aspects of credit risk,market risk and operational risk.Including proposing the interest rate pricing based on raroc model and establishing the customer evaluation table to adjust the risk to resist the market risk of small and micro credit business;By implementing the industry structure adjustment,optimizing product structure,strict customer source,and developing new technology,the four aspects of credit risk of small and micro credit business;Through the operation process control,Improving the risk organization architecture,strengthen the assessment system,strengthen the staff compliance risk education four aspects to resist operational risk.Believe these methods and countermeasures can help the people's livelihood bank Tianjin branch to eliminate the risk of the credit business of small and micro enterprises,in order tostrengthen the risk management of small enterprises.