Research On The Credit Risk Management Of Small And Micro Enterprises In N Branch Of Agricultural Bank Of China

Small and micro enterprises are important objects of inclusive financial services.As long tail customers of credit business of commercial banks,due to their small scale,weak strength,unstable operation,non-standard financial management and other characteristics,commercial banks are faced with large credit risks in loan operation,and there is an urgent need for commercial banks to improve the credit risk management level of small and micro enterprises.Based on the N-point behavior sample of Agricultural Bank of China,this paper discusses the credit risk management of small and micro enterprises of Agricultural Bank of China.This paper collects the credit data of N branch of Agricultural Bank of China in recent three years,and analyzes the operation status and risk status of the bank’s small and micro enterprise credit business.On the basis of quantitative and qualitative analysis,this paper explores the credit risk management problems of N branch in terms of small and micro enterprise loan policy,loan management system and loan "three checks".In order to investigate the causes of the problems,two questionnaires were designed and distributed to the small and micro enterprise customers of n branch of Agricultural Bank of China and the relevant personnel of small and micro enterprise credit industry of the bank,The questionnaire further investigated the reasons for the problems of credit risk management of small and micro enterprises.Through the analysis and research of the content information of the recovered questionnaire,it explored the reasons for the bank’s problems in credit risk management of small and micro enterprises,including credit management system,credit risk rating,credit product design,professional quality,risk management culture and so on.In order to further explore the problems and causes of credit management of small and micro enterprises in n branch,this paper introduces a typical case of non-performing loans of small and micro enterprises in n branch dyam Agricultural Products Co.,Ltd.,expounds in detail the process and disposal of loans from investigation,review and approval to risk formation,and discusses the causes of non-performing loans from two aspects of borrowers and credit management,It further deepens the research on credit risk management of small and micro enterprises in n branch of Agricultural Bank of China.Based on this,this paper puts forward some countermeasures that can not only solve the financing difficulties of small and micro enterprises,but also improve the credit risk management level of small and micro enterprises in n branch of Agricultural Bank of China.The ultimate purpose of this paper is to apply the research results in practical work,solve the problem of credit risk control of Agricultural Bank of China n branch in the development of credit business of small and micro enterprises,control or even reduce the non-performing rate,increase the security of credit funds,and promote the common and healthy development of society,banks and small and micro enterprises.