Research On Credit Risk Management Of Small And Micro Enterprises In H Branch Of Jiangsu N Commercial Bank

In recent years,the national and internal and external regulatory authorities attach great importance to the financial services of small and micro enterprises,and regard the development of small and micro enterprises as a long-term strategic task of the country.As a large state-owned commercial bank,N commercial bank is the main force to support the development of small and micro enterprises.With the continuous development of its credit business,the object and nature of risks faced by banks have exceeded the original connotation,and the credit risk generated by a single loan has evolved into credit risk,market risk and operational risk.Starting from the characteristics of small and micro enterprises,this paper analyzes the problems and causes of credit risk management of small and micro enterprises from three angles of pre-loan,loan and post-loan through relevant theories and H-branch risk status and practical cases.On this basis,in order to prevent and control the credit risk of small and micro enterprises,to ensure the healthy operation of banks as the goal,put forward the corresponding countermeasures of credit risk management of small and micro enterprises.The result shows that the credit risk of small and micro enterprises in H branch is on the rise and the industry is becoming diversified.As far as the effect of credit risk management is concerned,it is mainly manifested as follows:first,the effect of risk investigation is remarkable;secondly,the industry credit quota management is further promoted;thirdly,the residual credit risk management ability is further improved;and fourthly,the credit risk management mechanism of small and micro enterprises is strengthened.At the same time,there are still many problems in the credit risk management.First,the pre-loan risk identification lacks effective management of the industry risk,the credit approval management can not be "suit measures to local conditions",the guaranty risk mitigation management is weakened.Second,the monitoring sensitivity of the credit risk rating is not high,and the evaluation and prediction model is not good.Precision,the duty of wind control position is not clear,the duty of wind control post is not clear after lending,the credit staff is backward,the risk prevention system is not perfect.On this basis,this paper systematically analyzes the causes of credit risk management of small and micro enterprises in H-branch,mainly as follows:1.In the pre-loan risk identification,the impact of industry risk on small and medium-sized enterprises is shocking and fatal,and the industry risk has cyclical characteristics.When an industry enters a recession,the operation risk of small and medium-sized enterprises is willing.Small and micro enterprises are characterized by imperfect financial system,cross-functional departments and unclear division of]abor.If the credit approval system of small and micro enterprises is not adapted to local conditions,the probability of credit risk will increase;when collateral is seriously damaged,or because of market price changes,the collateral value will be increased.The real market realized value of the collateral can not cover the total amount of the loan,and the degree of risk increases.2.In the credit risk assessment,the sensitivity of rating monitoring is not high,and the probability of downgrade and default is significantly higher in the period of periodic downturn than in the period of high rise.In the case of great changes in the economic situation,for the emerging industries,trade industries and other industries with faster update speed,the evaluation and prediction model is not timely often affects the evaluation model.The overall accuracy of the model.3.In the post-loan risk management,because the post responsibility is not clear,the post-loan risk management can not be timely warning of risk signals;credit personnel construction is slow,sound credit risk prevention system is not perfect,and so on,have a direct impact on the effect of risk prevention.According to the theory and cases,this paper puts forward the corresponding countermeasures of credit risk management of small and micro enterprises in H branch:1.Strict pre-loan approval of small and micro enterprises,strengthen the risk management of small and micro enterprises,improve the credit approval system of small and micro enterprises,strengthen the risk mitigation management and guarantee system;2.Improve the risk assessment of small and micro enterprises,strengthen the rating monitoring.High rating sensitivity,improve the accuracy and timeliness of the evaluation model prediction,strictly control the separation of responsibilities and authorized examination and approval;3.Increase post-loan management and supervision,improve post-loan management and control responsibilities,improve the risk early warning system,improve the credit risk resolution system.To enhance the pertinence and effectiveness of post-loan management of small and micro enterprises credit business,improve the quality and efficiency of post-loan management,and promote the healthy development of credit business to provide a strong guarantee.