Research On The Improvement Of Credit Risk Management On Small And Micro Companies Project In Hunan Agricultural Bank Of China

Small and Micro Companies have become important force to promote the development of national economy,It plays an essential role in China’s economy.As a large state-owned bank,Agricultural Bank of China powerfully promote the loan business of small and micro enterprises,not just in meeting the requirements of national policies and support the development of national economy,and in complying with the development of the times.Seize opportunities and innovate financial business.However,the features of the small and micro enterprises are "small scale,light asset,large operation fluctuation and weak anti-risk ability".Compared with large enterprises,default risk is more obvious.Therefore,on the one hand,Agricultural Bank of China Hunan Branch needs to effectively stimulate the healthy development of small and micro enterprises;On the other hand,we should do a good job in the risk management of loan of small and micro enterprises and enhance the risk control ability of loan funds.This thesis based on the small and micro enterprise loan business of ABC bank in human branch as the research object,firstly illustrates the research background and significance of the article,and describes the present research situation at domestic and overseas,and then under the theory of the information asymmetry theory,compare comprehensive theory of risk management and internal control theory,which takes the investigation and study of the agricultural bank human branch of small micro enterprise credit business situation.Secondly,through the analysis of the internal and external risk sources of small and micro credit business,which points out the issues of existing in the credit risk management of the small and micro enterprises.Finally,where proposed the projects to optimize the existing risk management system in the front,middle and last aspects of the loan business,then to improve efficiency of risk management.And put forward the corresponding solutions and guarantee measures in the risk safeguard mechanism,operational risk mechanism,the independence and professionalism of risk control,enterprise culture,internal incentives,information technology.This paper point out some practical and operational proposals,which is aiming at solving the specific problems of credit risk management of small and micro enterprises in Hunan Branch of Agricultural Bank of China.Meanwhile,some of the problems which discussed in this paper are more likely faced by other banks in similar situations,so the schemes proposed in article can also be used for reference by the risk management departments of small and micro credit of other banks.