Research On Credit Risk Management Of Small And Micro Enterprises Of Zhengzhou Branch Of Z Bank

Small and micro enterprises are important participants in market economy,accounting for more than95% in all kinds of industrial and commercial market bodies.Small and micro enterprises are the crucial foundations of national economy development,in the meanwhile,they play significant roles in promoting economy development,creating jobs,enhancing science and technology,raising living standards and so on.As the main force of financial credit business,commercial banks respond to the call of relevant national departments and improve the credit business of small and micro enterprises actively.However,due to insufficient working capital,imperfect financial system and small operation scale,most small and micro enterprises have poor anti-risk abilities and high credit default rates,which lead to commercial banks reluctant to provide credit support to small and micro enterprises.Therefore,using in-depth interview to identify the risks in the processing of small and micro enterprise credit business,and developing reasonable risk prevention and control measures,not only can help commercial banks improving the qualities of credit assets of banks,but also can improve the credit business support to small and micro enterprises.As a result,it can realize coordinated development of commercial banks and small and micro enterprises and achieve a win-win result to promote the development of social economy.Taking Zhengzhou Branch of Z bank as an example,this dissertation analyzes the current situation of small and micro enterprises in Zhengzhou Branch,the causes of risk assets and the problems in risk management based on its credit business operation in recent three years,and putting forward schemes for optimizing the risk management of small and micro enterprise credit business based on my own experiences.First of all,this dissertation collects operation data of the Zhengzhou Branch of Z bank in the last three years and generalizes the current credit risk management system.Through the data analysis,it directly reflects that the credit status of small and micro enterprise in Zhengzhou Branch of Z Bank is not good at present,and the non-performing rate shows an increasing development trend year by year.Secondly,from the perspective of banks,this dissertation analyzes the problems existing in the credit risk management process of small and micro enterprise in Zhengzhou Branch of Z Bank,including six problems,the lack of professional management department,lack of comprehensive pre-loan risk identification,lack of rigorous risk assessment during loan,lack of post-loan risk control,loan price is unreasonable,and lack of practical experience of credit personnel.At the same time,the causes of these problems are also analyzed.Finally,according to the small and micro enterprise credit risk management problems in Zhengzhou Branch of Z bank,this dissertation puts forward the countermeasures of optimizing,including establishing specializes in small micro credit team,strengthening the credit of the link in the risk identification ability,and improving the credit approval before and after risk control mechanism,strengthen credit risk management,etc.,it has certain practical significance for the Zhengzhou Branch of Z Bank to improve the credit asset quality of small and micro enterprises.It has certain reference significance and value to the credit risk management of small and micro enterprises in commercial banks.