Research On Credit Risk Management Of Small And Micro Enterprises In L Bank

The rapid development of small and micro enterprises has become a major part of economic development.Small and micro enterprises play a pivotal role in promoting economic growth,technological innovation,optimization of employment mode and coordination of social relations.From the current development situation in our country,the development of small micro enterprises in our country has been difficult in front of the step,financing from various ways is a major topic of small micro enterprises in our country.Under the fierce competition in the global financial market and the huge demand in the domestic market,the major commercial banks are increasing the credit line in order to get rid of the current difficulties and make operational transformation.At present,the credit evaluation of small and micro enterprises in the credit market is not perfect,and it is difficult to evaluate them.Therefore,it is particularly important to prevent their credit risks.In this context,the author chooses L Bank as a case to study the credit risk management of small and micro enterprises in L Bank.This paper makes an empirical analysis of the credit risk of L Bank,and analyzes the credit risk of L bank,and gives some preventive measures.The specific implementation procedures and effects are:This paper uses the method of literature analysis to empirically analyze the credit risk of L Bank loans to small and micro enterprises,which lays a certain foundation for the research of this paper.Through field investigation,questionnaire and other methods,this paper has obtained relevant information by investigating the credit risks of small and micro enterprises in L Bank.This paper believes that the credit risk management problems of small and micro enterprises in L Bank exist such problems as non-standard pre-loan management,credit approval quality to be improved,insufficient effectiveness of post-loan management,and credit business level to be improved.The main causes of these problems are the lack of effective credit management process,inadequate post-loan management,unsound credit risk management organization and relatively weak personnel quality.The causes of these problems include pre-loan assessment risk,in-loan examination and approval risk and post-loan risk.It is found that in the credit risk assessment,the credit risk of small and micro enterprises accounts for 58.237%,which is lower than the credit risk of the whole small commercial banks.In-loan examination and post-loan management account for a small proportion of the credit risk of commercial banks,which is higher than the overall score level of credit risk of small and micro enterprises of commercial banks.Finally,according to the current situation of credit risk management of small and micro enterprises of L Bank,the paper gives the credit risk management strategy of small and micro enterprises of L Bank from the aspects of pre-loan operation process,risk warning technology,internal credit risk control and professional ability improvement of credit personnel.