Research On Credit Risk Management Problems Of Small And Micro Enterprises In A Bank

Since the reform and opening up,the private economy of small and micro enterprises in China has developed rapidly.It has become an important part of the socialist market economy and an important force to promote the development of social productive forces.Small and micro enterprises are the important source of new economic momentum cultivation,and play an important role in promoting economic growth,promoting employment growth and stimulating innovation vitality.However,due to the characteristics of light assets,fewer employees,weak anti-risk ability,low organizational ability and management level of small and micro enterprises,small and micro enterprises have always encountered great difficulties in financing and expensive financing.Compared with medium and large enterprises,on the one hand,small and micro enterprises are at greater risk of credit default due to poor operation due to economic,policy,industry and other reasons;on the other hand,credit risk management is also more difficult and costly.Many commonly used methods and indicators to measure the credit risk of large and medium-sized enterprises are not applicable to small and micro enterprises.If financial institutions want to share the dividends of the rapid development of small and micro enterprises,improving the credit risk management level of small and micro enterprises is a major issue that cannot be avoided.This paper takes the credit risk management of small and micro businesses of bank A as the research object,analyzes the current situation,existing problems and causes of the risk management of bank A's small and micro credit business,and proposes targeted measures to improve the risk management of small and micro credit business combining with the typical case of bank A's small and micro credit business.The paper is divided into six chapters: the first chapter is the introduction,which mainly describes the background and significance of the research,domestic and foreign research trends,research ideas and framework,etc.Chapter two analyzes the development status of small and micro credit business of bank A andthe risk management status of small and micro credit business.The third chapter based on the theoretical research on the credit business of small and micro enterprises in the first two chapters and the investigation of the actual situation of Bank A,deeply explored the problems existing in the risk management of Bank A's small and micro credit business,mainly the pre-loan investigation is not prudent,deeply excavates the problems existing in the risk management of small and micro credit business of Bank A,such as imprudent pre-loan investigation,imperfect credit rating system construction,inadequate review and supervision at the time of loan,inadequate post-loan management,etc.,and further analyses the causes of these problems.It is mainly attributed to the asymmetric information between banks and small and micro enterprises,the imperfect construction of credit personnel,the lack of risk awareness and risk management culture,and the negative effects of the rapid development of credit business of small and micro enterprises.The fourth chapter mainly analyzes the typical cases of Bank A's small and micro credit business,summarizes the reasons for the formation of non-performing loans in the case and the enlightenment to the risk management of small and micro credit business.The fifth chapter undertakes the above research,combined with the actual situation of Bank A,gives the measures for Bank A to improve the credit risk management of small and micro enterprises.It mainly gives reasonable suggestions on strengthening the pre-lending risk review,improving the loan review and approval mechanism,strengthening the post-lending risk management,establishing a perfect credit rating system,strengthening the management of small and micro credit personnel and strengthening the risk management culture.