本文中，研究被对J银行唐山分行小微企业信贷风险管理问题进行。论文中，综

In this article, the research is conducted on the credit risk management of small and micro enterprises in J Bank Tangshan Branch. <br><br>In the paper, the review is first conducted on the management theory and literature of small and micro enterprise credit risk management; <br><br>secondly, the main risks faced by the branch’s small and micro enterprise credit business and its management status are introduced in the small and micro enterprise credit business of Bank J Tangshan Branch Analysis on the basis of development status. Various problems existed in the credit business risk management of small and micro enterprises of the branch, such as weak risk awareness of credit personnel, unreasonable loan pricing strategies, failure to identify risks in pre-lending investigations, mere formality of post-lending management, and imperfect guarantee measures. Pointed out and analyzed the causes of the problem; <br><br>finally, specific countermeasures and suggestions were put forward in response to the problems in the credit business risk management of J Bank Tangshan Branch, including strengthening the construction of Bank J’s credit risk management team and establishing small and micro enterprises Enterprise online loan pricing model, improvement of small and micro enterprise credit management procedures, and improvement of small and micro enterprise credit business guarantee management measures, etc. <br><br>It is hoped that the writing of this paper can provide feasible suggestions for the development of risk management of small and micro enterprises in Tangshan Branch of Bank J, and provide some suggestions and references for effective financing and risk prevention and control of commercial banks. <br>Commercial banks should pay attention to the development of credit business risk management while pursuing the growth of credit assets. <br><br>Keywords: credit risk management; small and micro enterprises; J Bank Tangshan Branch

In this paper, the research is carried out on the credit risk management of small micro-enterprises in Tangshan Branch of J Bank.<br><br>In this paper, the review is first carried out on the management theory and literature of credit risk management of small micro-enterprises.<br><br>Secondly, the main risks faced by the credit business of the branch and its management status are analyzed on the basis of introducing the development of the credit business of the small micro-enterprise of the Tangshan branch of J Bank. All kinds of problems existing in the risk management of credit business of micro-enterprises in this branch, such as weak risk awareness of credit personnel, unreasonable loan pricing strategy, inability to effectively identify risks by pre-loan investigation, flow of post-loan management in form, imperfect guarantee measures, etc., are pointed out, and the causes of the problems are analyzed.<br><br>Finally, the specific countermeasure suggestions are put forward for the problems of the credit business risk management of small micro-enterprises in Tangshan Branch of J Bank, including strengthening the construction of the credit risk management team of J Bank, establishing the online loan pricing model of micro-enterprises, perfecting the credit management process of micro-enterprises, and improving the guarantee management measures of credit business of small micro-enterprises.<br><br>It is hoped that the writing of this thesis can provide feasible suggestions for the development of small micro-enterprise risk management in Tangshan Branch of J Bank, and put forward some suggestions and references for the effective financing and risk prevention and control of commercial banks.<br>Commercial banks should pay attention to the development of credit business risk management while pursuing the growth of credit assets.<br><br>Keywords: credit risk management; micro-enterprises; J Bank Tangshan Branch.

In this paper, the research is carried out on the credit risk management of small and micro enterprises in Tangshan Branch of J bank.<br>In this paper, firstly, the paper introduces the credit risk management of small and micro enterprises to management theory and literature;<br>Secondly, the main risks faced by the branch's small and micro enterprise credit business and its management status are analyzed on the basis of introducing the development status of small and micro enterprise credit business of J bank Tangshan Branch. The small and micro businesses' credit management risk management problems include credit risk awareness, unreasonable pricing strategy, effective investigation of risks before loan, management after loan, imperfect guarantee measures, and the causes of the problem.<br>Finally, specific countermeasures and suggestions are put forward for the problems existing in the credit business risk management of small and micro enterprises in Tangshan Branch of J bank, including strengthening the construction of credit risk management team of J bank, establishing the online loan pricing model of small and micro enterprises, improving the credit management process of small and micro enterprises, and improving the guarantee management measures of credit business of small and micro enterprises.<br>I hope that through the writing of this paper, it can provide feasible suggestions for the development of risk management of small and micro enterprises in Tangshan Branch of J bank, and put forward some suggestions and references for effective financing and risk prevention and control of commercial banks.<br>Commercial banks should pay attention to the development of credit business risk management while pursuing the growth of credit assets.<br>Key words: credit risk management; small and micro enterprises; J bank Tangshan Branch<br>