Study The Optimization Of Credit Risk Management In The Small And Micro Enterprises Of A Business Agricultural Development Bank

Since its establishment,the Agricultural Development Bank of China has played an important role in China’s agricultural macro-control in the traditional grain,cotton and oil purchase and sale credit business.However,in order to comply with the change of market environment,thoroughly implement the party’s spirit of the fifth plenary session of the nineteenth,and implement the central economic work conference,to strengthen small micro financial services policy decisions,in recent years,the agricultural development bank of China will increase support to small enterprises,develop a series of policies to promote the development of small micro enterprise credit business,But from the perspective of the role and position of the bank,the small micro enterprise is not a main business,risk prevention and control experience and less effective risk prevention and control measures,and to expand the small micro enterprise credit business development at the same time must also accompanied by a series of credit risk,which leads to the agricultural development bank of China in the process of small micro enterprise credit business existence safe hidden trouble,therefore,The elimination and prevention and control of credit risks of small and micro enterprises has become an important work,especially in the important period of supporting and developing credit business of small and micro enterprises,the prevention and control of credit risks has become more important.In this context,in order to effectively prevent and control the possible or existing credit risks of small and micro enterprises,this paper takes problem discovery,problem analysis and problem solving as the main line,and takes the credit risks of small and micro enterprises in A Business Department of Agricultural Development Bank of China as the specific research object.Through in-depth analysis of the bank A sales of small micro enterprise credit business development present situation,the scale,structure and quality,combined with the bank A sales department at present according to small micro enterprise credit risk by use of some prevention and control measures and means,ask questions,and study of the problem analysis,in-depth excavation of the risk prevention and control method is not perfect.Finally,the paper puts forward the optimization countermeasures and suggestions for the credit risk prevention and control of small and micro enterprises in A Business Department of Agricultura Development Bank from four aspects: the organizational framework,credit business process,prevention and control mechanism and talent team construction.Through this article research,hope for the bank A sales department in the development of small micro enterprise credit business fast at the same time,provide A certain amount of risk control,improve the ability of A certain amount of risk prevention and control,in the face of small micro enterprise credit risk to as actively,strengthen the sense of anxiety,at the beginning of the problems in the bud,tighten the bank business risk prevention and control of valve "thought".