Research On Risk Management Of Small And Micro Loan Project Of The BC Bank

Comrade Xi Jinping's important speech at the symposium on private enterprises declared the firm determination and clear attitude of the Communist Party of China(CPC)central committee were to encourage,support and guide the non-public economy's development.Xi also fully affirmed the private economy had the significant position and function.In my opinion,the large number of small and micro enterprises in China can be seen as an important weight to maintain economic vitality and face economic downward pressure.Obviously,the key link of the current economic work is to alleviate the financial dilemma of small and micro enterprises effectively.Through the study and analysis of small and micro enterprises themselves,their financing behavior's characteristics and the current risk management system of Commercial Banks,I think the essence that the characteristics of small and micro enterprises in China do not match the current risk management system of the banking industry is the basic reason for forming the financial dilemma of small and micro enterprises.To solve this problem,the core and content of risk management in the banking industry are finally given by citing the relevant theoretical research results in this paper.The characteristics of small and micro enterprises and its financing behavior's features are analyzed in detail.I draw a conclusion by analyzing the relative information that is the financing behavior of small and micro enterprises is not compatible with the current risk management system of Banks.However,most of the existing theoretical results analyze these contradictory and compatible opinions without putting forward a feasible solution to help Banks improve its risk management system for adapting to the credit business of small and micro enterprises.Therefore,this paper takes the loan business of the small and micro enterprises in BC banks as an example.Firstly,the current risk status of the loan business of the small and micro enterprises in BC banks can be interpreted according to the basic operation data and the loan data of the small and micro enterprises in BC banks.Secondly,I summarize the reasons why the loan risk of the small and micro enterprises in the BC bank as a branch of a city commercial bank is the root of credit risk,operational risk and market risk with the attribution method by analyzing the bank's existing risk management systems including organization system,process system and method platform system in detail.On this basis,I make a qualitative assessment on the basis of the related theories of business process reengineering and the related business department,information system department,risk compliance department and the internal audit department.The new risk control process is put forward in this paper by taking the reconstitution of organization system,process system and method platform system as the breakthrough point.Finally,I put forward a series of measures to solve the problem of the existing small and micro enterprises' transition in BC banks from loan risk management system to the target risk management system.I sincerely hope that the new loan risk management system for small and micro enterprises can help commercial banks to control accumulated risks effectively,reduce losses and activate part of credit funds.It also can identify,assess and dispose the risks for the new small and micro enterprises' loan business rapidly and efficiently,avoid risks effectively and improve the quality and efficiency of financial services for small and micro enterprises in order to achieve the final goal.That is to help the small and micro enterprises to solve the financial difficulties effectively.