Research On Credit-awarding Risk Management And Control Of Small Micro-Enterprise In X Bank

Small micro-enterprise have been in a very important position in the national economic system for a long time.They have great achievements in system and mode innovation,labor employment opportunities and social harmony and stability.However,during the macroeconomic downturn in recent years,the risk concentration of some industries and areas in small micro-enterprise has been concentrated,causing banks to suffer losses in varying degrees.The management and control system of credit-awarding risk in small micro-enterprise has become an important guarantee of the development of small and micro financial services.First,based on the diversified literatures,this thesis defines the concept of small micro-enterprise,small and micro finance,credit-awarding and credit-awarding risk,credit-awarding risk management and control,and elaborates the related theories and methods of credit-awarding risk management and control for small micro-enterprise.Then,based on the analysis of the relevant theoretical about small micro-enterprise credit-awarding risk management and control,this thesis elaborates X bank small micro-enterprise credit-awarding business development,expounds the X bank small micro-enterprise credit-awarding risk management and control present situation,points out the problems such as the X bank small micro-enterprise credit-awarding risk management and control in the process of awarding risk identification,the credit risk monitoring investigation in evaluation and award are not in place,lack of cooperation with external agencies,credit approval management process is not reasonable,the risk evaluation system is not perfect,ignores post credit-awarding management.Finally,aiming at the existing problem of X bank small micro-enterprise credit-awarding risk control,this thesis puts forward corresponding measures to further improve the optimization of X bank small micro-enterprise credit-awarding risk control: optimization of several ways to improve small micro-enterprise credit-awarding risk recognition and evaluation system,and strengthen the small micro-enterprise management after credit-awarding,enhance multi sectoral cooperation,reinforce small micro-enterprise credit-awarding risk management and control security system,and strive to enhance the market competitiveness of small micro-enterprise credit-awarding business and risk management and control.