Research On Credit Risk Management Improvement Of Small And Micro Enterprises In A Sub-branch Of X Bank

With the development of economy,the number of small and micro enterprises is increasing,and the financing of small and micro enterprises in commercial banks is increasing day by day.Commercial banks for small and micro credit risk management problems are increasingly serious.The loan demand of small and micro enterprises is characterized by short term,high frequency,urgent demand,high risk,insufficient guarantee and collateral,and large floating space of loan interest rate,which leads to the risk management problems of commercial banks,such as information asymmetry between banks and enterprises,and difficulties in post-loan supervision.Seriously hindered the development of credit business of small and micro enterprises.Therefore,commercial banks need to improve their credit risk management ability,which is of great significance to the sustainable development of small and micro credit business.Taking A sub-branch of bank X as an example,this paper analyzes the current situation of risk management of credit business of small and micro enterprises in A sub-branch of Bank X to improve the risk management ability of small and micro credit.Through case analysis,it finds the problems existing in the risk management system of small and micro credit of banks,and finally puts forward the improvement measures for the risk management of small and micro credit of banks.This paper consists of seven chapters: The first chapter describes the research background and significance;The second chapter analyzes the theories related to risk management of small and micro credit;The third chapter analyzes the status quo of credit business and risk management of small and micro enterprises;The fourth chapter,combined with the case analysis of small and micro enterprises credit risk management process problems;Chapter five and Chapter six propose corresponding improvement measures for the risk management problems of small and micro credit mentioned above.Chapter seven:Conclusion and prospect.