Research On Micro-Loan Risk Control Optimization Of XX Bank

Supporting the real economy,developing inclusive finance,supporting the development of small and micro enterprises,and creating a good business environment are the social responsibilities that banks must practice and assume.Commercial banks have responded positively to policies and have transformed into small and micro credit business,which has promoted the rapid development of small and micro credit business.However,in recent years,with the slowdown of macroeconomic growth,the risk of small and micro credit business has been frequent,exposing various problems in the risk management of small and micro credit business of commercial banks.How to deal with the relationship between risk control and credit scale,let finance better water the roots of "mass entrepreneurship,innovation" has become a problem in the development of many commercial banks’ credit business.XX Bank is a well-known local city commercial bank.It established German IPC technology and established the micro-credit business as the pillar business of the bank.It continued to pay attention to the development of small and micro credit business and achieved excellent results.However,in 2015,the risk of small and micro credit business of XX Bank began to focus on a large number of non-performing loans,which seriously affected the healthy development of XX Bank’s small and micro credit business,and also exposed many problems in the control of small and micro credit risk.The bank’s small micro credit business risk control management needs to be optimized and strengthened.In order to better prevent and control risks and promote the healthy and rapid development of XX Bank’s small and micro credit business,this paper analyzes the relevant theories of risk control of small and micro credit business,and combines the development practice of XX Bank’s small and micro credit business to XX.In-depth analysis of the problems existing in the risk control of small micro-credit business and the causes of problems existed,and proposed measures to optimize the risk control of XX Bank micro-loan,including the 5C principle as the theoretical basis,using expert investigation method,analytic hierarchy process and other methods.Established XX Bank Micro-credit Risk Control Analysis System,adopted Logistic Regression Model to establish customer grading approval rules and approval mode,and established three measures for XX Bank’s small micro-credit reserve talent pool,in order to further enrich the relevant theory of risk management of small micro-credit business In the business development practice,it provides guidance to XX Bank to effectively prevent the risk of small and micro credit business,and promotes the healthy and rapid development of XX Bank’s small and micro credit business.The test data for the optimization and upgrading of the risk control system comes from the historical data of all the small and micro customers of XX Bank.The data coverage is wide and representative,and the complete approval process has been completed to ensure the authenticity and integrity of the data.After the establishment of the risk control system and the approval rules,the actual investigation of the customer’s manual approval and system approval was carried out,and the risk control system and the approval rules were continuously adjusted and verified to ensure the accuracy and objectivity of the approval results.