Research On The Optimization Of Credit Risk Management Of Small And Micro Enterprises In Ximeng Branch Of Bank

Risk is the most important thing that commercial banks need to grasp when issuing loans to small and micro enterprises.Risk management determines whether the principal and interest of loans can be recovered safely and the quality of credit business.The financing business of small and micro enterprises is a new loan and business which has been gradually expanded and widely used in China in recent years.There are new problems and characteristics in general,which need to be further improved.The financing characteristics of small and micro enterprises mainly include: The demand for credit is small,the demand for credit funds is urgent and the cycle is short,the pledge guarantee is insufficient,the demand for credit products is diversified,the risk management is difficult,the return is not proportional to the risk,etc.and XM branch of bank A exist the risk management system is not in place,and the implementation of post-loan management is not strict enough.As A result,XM branch of Bank A has certain risks in the lending of small and micro enterprises.Therefore,based on the study of basic theory of risk,to XM branch of bank of A facility small and micro enterprise customer manager research micro and small business owners,focuses on analyzing the causes of risks,mainly includes: Bank and enterprise information asymmetry,the imperfection of the talent team construction,insufficient recognition of credit business risk control and so on,combined with the specific reason is summarized for XM branch of bank of A optimization measures of risk management,mainly due to the following three points,To comprehensively implement the risk management system,improve the construction system of small and micro customer managers,and improve the execution of post-loan management,through this study,It is committed to helping XM branch of bank of A to further optimize and improve the risk management measures of credit business of small and micro enterprises,and at the same time to provide certain theoretical basis and reference for other financial institutions in the credit risk management of small and micro enterprises.