The Small And Micro Enterprise Credit Loan Risk Management Research Of A Bank Wenzhou Branch

Due to the development stage and operation characteristics of small and micro enterprises,financing business is generally risky.In terms of data,loan default rate and non-performing loan ratio are significantly higher than that of large and medium-sized enterprises.After 2014,the credit loan products of commercial Banks increased rapidly,and the credit loans of small and micro enterprises were the important growth points of credit loans.But due to the small and micro enterprise credit loan application process is convenient,small and micro enterprise quantity,mode of operation is complex,microfinance funds to track the difficulty is big,small and micro enterprise credit risk will gradually emerge.Based on the theory of credit risk management and research,aiming at two key points of small and micro businesses and credit loans,taking Wenzhou branch of A bank as an example,this paper studies the credit risk point,risk management mode and existing problems of small and micro businesses in commercial banks.First of all,A bank's current small and micro enterprise credit loan and its risk management system are analyzed.Secondly,two aspects of the problems existing in the current small and micro enterprises' credit loan risk control management are studied which are expounded from the bank's internal control loopholes and external risks.The research shows that although the management process of credit loan for small and micro businesses is relatively complete,there are many problems in the setting of risk positions and the process of credit audit.According to the actual situation of Wenzhou branch of A bank,this paper designs a pre loan survey auxiliary table and practical operational credit wind control alert line,optimizes the job division,quantifies the early warning standards.According to the implementation of these suggestions,the corresponding guarantee measures are put forward optimizing personal configuration and team building.In the end,interviews are made to interview relevant personnel,to prove the feasibility of the risk optimization measures,and to analyze the practice of credit management for small and micro enterprises by some foreign banks for reference by A banks.At present,domestic small and micro enterprise credit loan products are in the initial stage.Although the risk has not yet been concentrated,credit risk management needs to be taken seriously in advance.This paper provides reference for the risk management of bank A's credit loan products,and provide reference for other commercial Banks in China.