Research On Pre-lending Risk Management Of Small And Micro Enterprises In QN Bank

business banking as a business risk,the risk is a double edged sword,both banks appears certain risks as well as benefits.Banks faces a variety of risks in the course of its day-to-day operations,the most common risk is credit risk,so how the Bank can control risks is a key to stable operations.Small and micro enterprises as the mainstay of our economy in recent years has gradually grown into a banking and a largecustomer base,small and micro businesses because of the particularity of their own business,often makes it more difficult to control.Before credit risk control as a first step,before the credit risk level of quality control related to the essence of a loan risk results.Study how to improve control capacity of the small and micro enterprise credit risk management,the Bank developed very meaningful.Object to QN banks as this paper on how to optimize their micro-enterprise credit risk management issues,for further research.This credit-risk-related concepts,relying on credit risks at home and abroad based on literature review and theory,full analysis of the core point of the credit risk.Secondly,the QN the Bank’s history,development,business,credit status is described in detail.And QN banks of small and micro enterprise credit risk management system for the object before,running in a full analysis of its current system problems arising in the process.Problems including early warning mechanism,pre-loan investigation process is not scientific,risk management awareness and lack of risk management culture and other aspects.And based on the practical.problems raised by.the corresponding optimization program.Based on the premise of full research analysis,from reset QN Bank small and micro enterprise credit rating system,optimize existing pre-loan investigation process,strengthening the construction of account managers,improve the product design more targeted optimization solutions,and the in-depth comparison.Also for optimized scenarios from internal and external two-level establishment of appropriate security measures to ensure optimization of small and micro enterprise credit risk management solutions achieve substantive results before.