Research On Credit Risk Management Of Small And Micro Enterprises In J Rural Commercial Bank

With the random economic development and industrial structure adjustment,the competition faced by commercial banks in the field of credit has intensified.It is no longer the competition of a certain product or a certain type of business,but gradually evolved into the competition of digital intelligence.In order to ensure its sustainable and robust development,commercial banks need to transform their credit business model,strengthen credit risk control management,reduce labor costs,and improve approval efficiency,so as to actively respond to environmental changes.For rural commercial banks,their customer groups are mostly individual businesses and small and micro enterprises with weak credit awareness and low cultural literacy.The risk of credit loss is higher,and the rate of nonperforming loans is higher,which has become a threat to regional financial stability.In addition,the bank’s customer managers rely on face-to-face communication,on-site inspection and other methods to understand the enterprise’s credit situation,and rely on personal experience to determine the repayment ability of the enterprise,This business model requires customer managers to discover and control risks in a timely manner.There are shortcomings such as lack of standards for risk control,high labor costs,and unfavorable to business expansion.As the long-tail customer group in the credit business,small and micro enterprises have always been the focus of attention of the country and the financial industry.Especially since2014,there has been a "mass entrepreneurship and innovation" upsurge in China.The scale of small and micro enterprises has grown rapidly and has become an important part of the social and economic system.In the face of the high financing demand of small and micro enterprises,commercial banks have also gradually launched credit products for small and micro enterprises.However,the small size,weak anti-risk ability and scattered business scope of small and micro enterprises make their financing risk higher.At the same time,the commercial banks’ own credit risk management system is not perfect.When faced with the high credit risk of small and micro enterprises,financial institutions are cautious.From the perspective of credit risk management of agricultural commercial banks,this paper discusses the credit business and risk causes of small and micro enterprises,and puts forward targeted credit risk prevention strategies.Taking J Rural Commercial Bank as the research object,this paper analyzes the current situation of the bank’s credit risk management by using the literature research method,logical regression method,and in-depth interview method,and analyzes the problems of credit risk management in combination with the credit management process,Such as: lack of adequate investigation before the loan;There are still loopholes in the borrower’s review and evaluation;Failure to manage risks after the loan.After in-depth research on the credit risk management system of J Rural Commercial Bank,this paper analyzes the existing problems of the risk management system,and puts forward countermeasures to reconstruct the credit risk management system of J Rural Commercial Bank,which also provides effective reference for rural commercial banks and other commercial banks in the supervision of credit risk,so as to improve the quality and efficiency of services,ensure the safety of credit business,and make it easier to operate,It has made important contributions to the development of regional economy.