Research On The Risk Management Of Small And Micro Enterprise Loans In HX Branch Of Agricultural Bank Of Chin

Because of the small and micro enterprises are generally characterized by small operation scale,low risk resistance ability,opaque operation information,non-standard operation,large number of enterprises and small loan amount,the single household income of such businesses is low,but the management cost is high.According to statistics,the probability of risk of small and medium-sized enterprises is much larger than that of large and medium-sized enterprises.In the whole process management of credit risk of loans,customer managers need to deal with the management of dozens of small and medium-sized enterprises.Often,it will lead to the situation that the pre-loan investigation is not deep enough and the credit risk management of loans is not meticulous enough.Therefore,this paper studies the credit risk management of small and micro banks.First of all,this paper defines the concept of small and micro enterprises and analyzes their loan risk management characteristics.It puts forward that the development of small and micro enterprises is not stable,but is greatly affected by the overall market environment.Therefore,in the process of developing small and micro loan business,banks should sort out and carry out the whole process risk management according to the industry,their own financial status,operators and other relevant information of small and micro enterprises.Secondly,by analyzing the current situation of small and micro enterprise loan risk management of Agricultural Bank of China HX sub branch,the Agricultural Bank of China HX sub branch has built an evaluation system for small and micro enterprise loan risk management at different levels,such as small and micro enterprises,the bank itself,macro policies and economic market environment.Through questionnaire survey,expert scoring and model-based analysis and management,the problems have emerged.Finally,specific optimization measures are made clear from each link of management,and optimization measures such as clarifying the specific entry and exit standards of small and micro enterprises based on the system level,and establishing a franchise team of small and micro enterprises are proposed,so as to achieve the purpose of avoiding risks to the greatest extent.