Research On Credit Risk Management Of Small And Medium-Sized Enterprises In AJN Agricultural Bank

Policies to deepen the financial services of small and micro enterprises have been published frequently in recent years,meanwhile the scale of small and micro credit businesses has become larger.However,the problem of information asymmetry becomes more serious for the low information transparency of small and micro enterprises.What’s more,there is a greater risk in small and micro credit business,which also challenges banks’ credit risk management.This thesis proposes a combination method of field research,survey interviews,and empirical research.It conducts research on the development of AJN Rural Commercial Bank’s small and micro credit business,and theoretically analyzes the problems existing in the credit risk management of AJN Rural Commercial Bank’s small and micro enterprises.Combined with AJN Rural Commercial Bank’s loan data of small and micro enterprises,the rationality of the relevant indicators of the bank’s small and micro enterprise credit risk measurement is studied through a logistic model.The empirical results show that the current credit rating indicators of AJN Rural Commercial Bank for small and micro enterprises are inadequate in terms of feasibility and completeness.Some indicators,such as the prospects of industry development,have no significant impact on the risk of small and micro credit due to the randomness of assignment in actual operation.Some indicators,such as the situation of counter companies and transaction stability,have a significant impact on credit risks,but they are excluded in the current risk evaluation system.On this basis,this thesis puts forward suggestions to optimize the risk management of AJN Rural Commercial Bank from the aspects of improving the credit rating system of small and micro enterprises,censoring risk management and control during loans,monitoring and evaluating post-loan risks,and strengthening the construction of small and micro credit teams.