Study On Credit Risk Management Of Small And Micro Enterprises In XT Bank

The current international economic situation is complex and changeable.Since 2015,China's economic growth has slowed down year by year.At present,stable economic growth has become the primary task of China's development.In China's economic society,small and micro enterprises occupy a special position in the overall economy.The development of small and micro enterprises plays a very important role in increasing employment,improving people's livelihood,increasing import and export,and promoting innovation.In order to make small and micro enterprises develop continuously and healthily,the state and local governments have issued a series of credit policies to promote commercial banks to support the development of small and micro enterprises.However,compared with the relatively standardized management system of large-scale enterprises,the financial,system,process and other management aspects of small and micro enterprises are relatively loose,which makes the credit risk management of small and micro enterprises of commercial banks have great challenges.With the support of national policies,commercial banks have increased their credit to small and micro enterprises,which has played a role in helping the development of small and micro enterprises.As a local city commercial bank,XT bank is very important to seize the credit market of small and micro enterprises in order to stand firm in the current market,strive to maximize profits,minimize risks and meet the regulations of the regulatory authorities.For XT bank,the non-performing loan ratio is still on the rise in recent years,which has a negative impact on the asset quality of the bank.For the sustainable and healthy development of banks,the risk management of small and micro enterprise credit department is particularly important,so it is urgent to strengthen the credit risk management of small and micro enterprises.In this paper,XT bank small and micro enterprise credit business as an example,elaborated the bank small and micro enterprise credit risk management theory.Based on the analysis of the current situation of XT bank's credit risk management in small and microenterprises,this paper puts forward the countermeasures to improve XT bank's credit risk management in small and micro enterprises,and puts forward suggestions to the government,the people's Bank and XT bank.At the end of the paper,it summarizes the reasons for the poor credit management of small and micro enterprises,and puts forward reasonable suggestions,which are also of reference and reference significance for the credit risk management of the same banking industry,so as to improve the credit risk management of small and micro enterprises of commercial banks,and promote the healthy and good development of banks.