Research On Credit Risk Control Of Small And Micro Financial Business Of Commercial Bank

In order to better fulfill the national requirements for improving the financial service level of small and micro enterprises and other economic entities and reducing their financing pressure,commercial banks gradually put credit funds into the small and micro enterprises with weak capital.In order to meet the actual development needs in the market,commercial banks take the initiative to innovate and improve their own business models.Driven by external environmental pressure and internal profit,commercial banks have continuously improved their support for microfinance business.However,the credit risk problem has directly affected its development.Therefore,the scientific,standardized and efficient management of micro-finance business of commercial banks should focus on the problems of the banking industry.First of all,pay attention to the contact and cooperation with small and micro customers,continuously integrate existing technologies and establish a sound risk control system.Therefore,commercial banks are selected as the main research content in this topic,and the risk control of its microfinance business is deeply studied.This paper will stand on the realistic level of domestic commercial banks,and take a detailed analysis of the problems in the credit risk control of micro-finance business.After inquiring the relevant materials,periodicals and books on credit risk control of microfinance business,we can understand the current risk problems and the shortcomings of the risk control schemes adopted at present,and draw lessons from them.Then,and the second is to take a comparative analysis of its control effect.this paper gives targeted opinions and obtains relevant enlightenment,which can help commercial banks to improve their effective awareness of these risks and prevent them reasonably.Taking G Commercial Bank as an example,this paper gives some help to the high-quality operation of commercial banks,and at the same time provides corresponding reference for the development of microfinance business of other financial institutions in the industry.