Study On The Credit Risk Management Of Small And Micro Businesses Of QN Bank

In recent years,domestic macro economy gets into the new normal behavior because of the lack of consumption growth and the downward cycle of economic,which resulted in a negative growth in the operating performance of most small and micro enterprises and a tightening of funds.There are many kinds of certainty in the future development status.In this thesis,the risk of small and micro enterprise loans appears to be concentrated,with the characteristics of concealment and diversification of risks,and the difficulty of risk prevention and control is further increased.Under this situation,QN banks should strengthen the issue of bank credit risk management and formulate active and effective credit risk management measures.Therefore,it is necessary to carry out researches on credit risk management issues and it has important practical significance.In this thesis,the research methods,such as literature research method and case analysis method are fully used to better study the issue of credit risk management.Firstly,we reviewed the domestic and international research literature on bank credit risk.Based on this,we conducted a research on the current credit risk status of QN banks,analyzed the problems,and explored the causes of the problems.It can be analyzed from the small and micro enterprise itself and the external environment of the bank.After clarifying the problems and causes of the QN bank's credit management business for small and micro enterprises,a credit risk management system was designed for the management status of QN banks.It mainly includes: the classified management of credit risk and the implementation of targeted risk control for small and micro credits,designing the innovative small and micro credit products,improving the guarantee mode for small and micro credits,improving the post-lending management model for small and micro loans,establishing and improving the micro-lending information communication system,and improving the credit approval system for small and micro loans.Finally,the corresponding safeguard measurements are proposed for the implementation of QN bank credit risk management and control system,including establishing the loan risk warning system and the construction of risk management technology measures,strengthening of internal risk control and establishing a performance evaluation system.