Research On Credit Risk Control Of Small And Micro Enterprises In Y Rural Commercial Bank

In the development background of economic transformation,small and micro enterprises play a vital role in stimulating the vitality of the market.It is one of the most important elements in the national economic system,the driving force to ensure the sustainable development of innovative factors,and an important force to promote the industrial economic structure.This paper discusses the great influence of small and micro enterprises on the display of market economic structure from a micro perspective.In recent years,due to the government’s reasonable control of loan transactions,small and micro enterprises can get enough funds for their development,but at the same time,the credit crisis has become more severe.Compared with state-owned enterprises,because of its small business scale and volume,incomplete financial information release data and poor ability to resist risks,it cannot gain the trust of banks,and the risk of credit default is much greater than that of large state-owned enterprises.At present,most domestic banks pay great attention to the credit problems of credit partners on the premise of ensuring that the loan amount reaches a certain standard.Therefore,it is of great significance to study the credit risk management of commercial banks in China.Under the current market economy,the degree of credit risk control of a commercial bank has a great relationship with its development.Taking Y Rural Commercial Bank as an example,this paper discusses the credit risk management system of small and micro enterprises in this bank in detail,and finds out the problems existing in credit risk management of small and micro enterprises in Y Rural Commercial Bank at present.It mainly includes business model,technological innovation and internal control management.Then,taking Y Rural Commercial Bank as the research object,this paper studies the shortcomings exposed in the credit management risks of its small and micro enterprises,and designs appropriate countermeasures according to specific problems,which involve innovating the credit business model of small and micro enterprises,broadening the sources of customer information,building a harmonious internal control management environment,perfecting internal control rules and regulations and strictly implementing them,so as to improve the subsequent credit management of small and micro enterprises.Finally,the guarantee measures for credit risk management and control of small and micro enterprises in Y Rural Commercial Bank are given.In order to promote the credit risk management of small and micro enterprises in commercial banks,corresponding safeguard measures are given from the aspects of improving the quality of credit personnel,establishing scientific management culture connotation and establishing scientific and effective incentive and restraint mechanisms.Although Y Rural Commercial Bank is a local bank,its own shortcomings have something in common with other banks,which can play an important role in improving credit risk management.