Research On Loan Risk Management Of Small And Micro Enterprises In HX Bank N Branch

With the rapid development of market economy,small and micro enterprises have gradually become an important part of economy in China.Small and micro enterprises are making an important contribution to promoting economic growth and alleviating employment pressure.They also playing an irreplaceable important force in economic operation.The government has promulgated a series of policies to support the financing of small and micro enterprises.And the government will support the operation and development of small and micro enterprises.For commercial banks,the development of small and micro enterprises’ loan business has undoubtedly become a new direction to explore the market.Providing credit support for these enterprises is not only an important way for banks to adjust the asset structure and improve profits,but also an important means to practice social responsibility.However,small and micro enterprises have many characteristics,such as small range,decentralized operation,non-standard management,imperfect system,and weak anti-risk ability.Commercial banks inevitably face a variety of risks in the process of carrying out loans to small and micro enterprises.In this paper,the combination of theory and practice is taking HX bank N branch as the research objects.By analyzing the development status of these loan businesses,the main risks faced the status of risk management,the management measures taken and the results achieved.It points out the existing problems in the credit risk management of small and micro enterprises of HX bank N branch.Comprehensive analysis of the sources of these problems,and then put forward risk control countermeasures.Through analysis and conclusion,this paper holds that risk management of small and micro enterprises’ loan is crucial to the sustainable development of commercial banks.Commercial banks should improve their internal systems and strengthen process management,also should seek external cooperation and improve the level of science and technology.The combination of internal and external could effectively control risks and promote the healthy development of small and micro enterprises’ loan business.