Research On Credit Risk Prevention And Control Strategy Of Small And Micro Enterprises In CX City Branch Of Agricultural Development Bank Of China

The outbreak of the new crown epidemic has affected the development of the domestic economy.The lack of consumption growth has caused most small and micro enterprises to face severe tests.The risks of small and micro enterprise loans are complex and changeable challenge.In order to ensure the implementation of high-quality development of small and micro enterprises and effectively support the healthy development of the real economy,it is of considerable practical significance and practical application to study the credit risk prevention and control in CX City Branch of Agricultural Development Bank of China of small and micro enterprises.This paper takes CX City Branch of Agricultural Development Bank of China as the research object,analyzes the research results of risk prevention and control of small and micro credit at home and abroad,combined with relevant theoretical basic knowledge,systematically studies the credit status quo of small and micro enterprises in CX City Branch of Agricultural Development Bank of China,so as to find the existing problems and put forward feasible risk prevention and control strategies.The research shows that the main existing risks of small and micro enterprise credit of CX City Branch of Agricultural Development Bank of China are both the factors of small and micro enterprise credit itself,but also related to the internal control of banks.The main problems of small and micro enterprise credit of CX City Branch of Agricultural Development Bank of China are excessive concentration of customers,high loan risk and low loan efficiency.After the evaluation of the credit risk factors of small and micro enterprises of CX City Branch of Agricultural Development Bank of China,the loan risk prevention and control strategy of small and micro enterprises of CX City Branch of Agricultural Development Bank of China is proposed.The first is to help CX City Branch of Agricultural Development Bank of China to clarify the risk management objectives of small and micro enterprises in credit;Secondly,CX City Branch of Agricultural Development Bank of China formulated the prevention and control strategy of credit risk for small and micro enterprises,The main measures are to strengthen the management of the loan process of small and micro enterprises,innovate the credit guarantee methods of small and micro enterprises,introduce talents to the credit team of small and micro enterprises,enrich the research and development of the credit products for small and micro enterprises,and increase the investment in science and technology of the credit of small and micro enterprises;Third,CX City Branch of Agricultural Development Bank of China to implement the implementation of credit risk prevention and control strategy for small and micro enterprises,Conduct risk management through credit practitioners and perfect supporting systems,Ensure that modern business can conduct effective risk control,Good operation and management,Promote business development.The above measures can help CX City Branch of Agricultural Development Bank of China to strengthen credit risk prevention and control while developing the credit business of small and micro enterprises,and improve the profitability of banks,so as to enhance the market competitiveness of CX City Branch of Agricultural Development Bank of China,which is the requirement of financial services and promoting the development of the real economy,and also the way for CX City Branch of Agricultural Development Bank of China to promote its own healthy development.