Research On Risk Management Of Credit Business Of SN Bank Small And Micro Enterprises

In recent years,with the acceleration of China's economic development and the deepening of industrial restructuring,small and micro enterprises play a more important role in the current national economy,and their contributions to economic development,employment,and income growth become increasingly prominent.Although the government strongly supports the development of small and micro enterprises with preferential policies,efficient access to relatively modest financial support is still the key to the healthy and rapid development of these enterprises.As far as commercial banks are concerned,launching small and micro enterprise credit business is not only a response to the state's appeal,but also a requirement for their own development.Here,we use literature research methods,case analysis methods,and a combination of theoretical and practical research methods to analyze the problems and causes of the risk management in SN Bank's small and micro enterprise credit business.Moreover,from the perspectives of credit business process management and credit business,an optimization plan and related implementation measures have been put forward for the risk management in SN Bank's small and micro enterprise credit business.Based on the COSO(The Committee of Sponsoring Organizations of the Tread way Commission)enterprise risk management theory and the credit risk management theory,through analyzing the status quo and examples of SN Bank's small and micro enterprise credit business,we study the problems of their current risk management from the aspects of credit business process management and credit business management.In terms of credit business process management,we conduct a review of the problems and causes from three stages,including pre-lending investigation,credit review,and post-lending management.As to the credit business management,we explore the cause from the assessment mechanism,personnel management and product innovation.Finally,in accordance with the requirements for the security of credit assets,we still proceed from credit business process management and credit business management,based on the status quo of SN Bank's current credit management business for small and micro enterprises,combining relevant theories,to offer corresponding optimization solutions and implementation measures.We hope that the design of plan for this type of business risk management will provide a reference for the improvement and optimization of SN Bank's credit business risk management work.