Research On Credit Risk Management Of Small And Micro Businesses Of T Rural Bank

In order to solve the problem that the main participants of rural economy such as "agriculture,rural areas and farmers" and small and micro enterprises have difficulty in financing from formal financial institutions for a long time,the regulatory authorities have issued relevant policies to encourage and support rural banks to set up institutions in county areas.After years of development,rural banks provide important financial support and services for the main participants of rural economy,and contribute financial strength to the development of county economy.In recent years,affected by the increasing downward pressure of the economy,the potential risks of small and micro credit,as the main business of rural banks,are increasing day by day.Effective management and control of these risks play a positive role in the steady development of rural banks.The research object of this thesis is T village bank,and the risk management of its small and micro credit business is the main content of this thesis.First of all,this thesis summarizes and explains the theory of small and micro credit business risk management of village bank.Combined with the reality of T village bank,this thesis uses data analysis method to make comparative analysis and trend analysis on the financial statements,balance sheet,loan structure,credit asset quality and other data of T village bank since its establishment,and analyzes the small and micro business risk management situation of T village bank in recent years.Secondly,using the fishbone diagram analysis method,we find that there are some problems in the credit risk management of small and micro businesses of T village bank,such as credit organization structure,internal control mechanism,credit asset structure,asset quality,risk identification means,credit behavior management,which need to be improved.Through the analysis of questionnaire survey,the credit risk of small and micro businesses of T village bank mainly comes from the internal environment of the bank and external environment.Finally,the thesis puts forward improvement measures and suggestions from the strengthening of corporate governance,constantly improve the organizational structure of credit risk management of small and micro businesses;establish and improve internal control mechanisms and systems to improve the effectiveness of risk monitoring and early warning;take multiple measures to improve the quality of credit assets of small and micro businesses;actively expand customer resources and types of credit products,optimize the credit structure of small and micro businesses;strengthen information technology system construction,enrich credit risk identification means;Standardizing credit behavior management of small and micro businesses,so as to provide reference for the improvement of the credit risk management system of small and micro businesses of T village banks reference,promote it to better provide financial services for the main participants in the village economy,but also for other village banks,especially in Sichuan "three states" region after the establishment of small and micro business credit risk management to provide reference.