Study on Operation Risk Management of Commercial Bank Small and Micro Enterprise Credit Business

Abstract

Due to small and micro businesses have started late, small scale, insufficient funds, bank credit has become the main source of funding to promote the production and operation of the commercial bank. This article in view of the commercial bank small and micro enterprise credit business risk management this domain. According to the characteristics of commercial bank small and micro enterprise credit business process, the risk analysis is carried out, using analytic hierarchy process model to construct risk index system. On the basis of risk identification, risk assessment completed commercial banks Small and micro businesses credit business, the construction of fuzzy evaluation model, establish judgment matrix, finally come to the level of the risk. This research can enhance the small and micro enterprise credit service level, on Chinese commercial banks to control credit risk, explore new ideas of risk management has important reference and reference and practical significance.