Research On Credit Risk Management And Control Of Small And Micro Enterprises In H Branch Of China Construction Bank

In China’s economic structure,small,medium and micro enterprises have become an indispensable part because of their absolute quantitative advantage,huge labor absorption capacity and positive economic activity.H branch of China Construction Bank actively responded to the call of the state to develop small and micro enterprise credit business.However,due to the inherent characteristics of small and micro enterprises such as high operational risk,high operational volatility and lack of collateral,H branch also faces high risks in carrying out small and micro enterprise credit business.Therefore,strengthening business risk management and control has become a problem that h branch must consider,This is of great significance for H branch to improve its business risk management and control ability to better promote business development and achieve win-win results.This thesis takes H branch of China Construction Bank as the object,discusses the current situation of risk control of small and micro enterprise credit business,and helps the bank to build a more perfect risk control system of small and micro enterprise credit business.This thesis collects and collates the academic research results related to credit risk management and control of small and micro enterprises with the help of literature analysis,and then takes Branch H as the specific object to discuss with the case analysis method,and then explores the problems in risk management and control of Branch H and the causes of the problems with the help of interview.Under the guidance of the above methods,this thesis first analyzes the current situation and problems of risk management and control of small and micro credit business in Branch H,then evaluates the credit risk of small and micro enterprises in Branch H of China Construction Bank and puts forward the reasons for the problems,and finally puts forward improvement plans and safeguard measures for risk management and control.Through this study,we can draw the following conclusions:(1)The qualitative evaluation result of credit risk management and control of small and micro enterprises of China Construction Bank Branch H is "average",and the quantitative evaluation result is 75.205 points.(2)Four issues of ignoring the construction of macro risk identification and research and early warning system are the problems existing in the credit risk control of small and micro enterprises in the H Branch of the Bank.(3)The causes of the credit risk of small and micro enterprises in the H branch of Construction Bank include four reasons including macro-risk management and control awareness..(4)Improving four measures including the management of credit risk management and control of small and micro enterprises in the construction bank,including strengthening the construction of a macro risk research and the construction of the warning system.