The Research On Small And Micro Businesses Credit Risk Management Of P Bank Nanchang Branch

As an important force for the development of the national economy,an important factor for the vitality of the market economy,and an important driving force for alleviating the pressure of social employment,small and micro enterprises are playing an increasingly important role in maintaining social stability and benefiting people's livelihood under the situation of continuous economic development.Due to the influence of various factors of small and micro-sized enterprises themselves,as well as the reasons such as the contraction of banking industry in recent years and economic depression,the living environment of small and micro-sized enterprises is very difficult,and the financing difficulty becomes the bottleneck of its development.In order to better play the role of small and micro-sized enterprises in meeting social employment,increasing economic income and promoting economic development,China has continuously put forward some policies and regulations since the promulgation of the law on the promotion of small and medium-sized enterprises in 2002 to support the alleviation of financing difficulties of small and micro-sized enterprises and to continuously support the development of small and micro-sized enterprises.In 2011,the state issued nine financial fiscal and taxation policies to support the development of small micro enterprise,followed by 2012 countries to further support the development of small enterprises opinion,in 2018 the state issued the opinions on further deepening the small micro enterprise financial services ",in order to supervise and guide financial institutions to small micro enterprise service,relieve the small micro enterprise financing difficult problem,help small micro enterprises continue to grow stronger.Under the tide of encouraging the banking industry to support loans of small and micro enterprises,jiangxi banking industry has always put the financial services of small and micro enterprises in an important position,constantly innovated and upgraded financial services,and continuously carried out small and micro loan services.According to statistics,by June 2018,our province has set up 245small-micro-enterprises franchising agencies and 1,100 small and micro-enterprises professional service teams.By the end of November 2017,financial institutions in jiangxi province had lent 925.739 billion yuan to small and micro businesses,accounting for 54.49% of the total loan amount.It can be seen that financial institutions in jiangxi province are continuously increasing their support for small and micro enterprises to facilitate their further development.However,according to relevant data,the non-performing loan ratio of financial institutions increased by 1% at the end of2017 compared with the beginning of the year,while the non-performing loan ratio of small and micro enterprises increased most significantly.Therefore,how to control the credit risk of small and micro businesses has become a major focus and difficulty in the banking industry of our province.This article first analyze the research background and research significance,and then analyze the small micro enterprise and small micro enterprise credit risk,credit risk management concept to define,through to the information asymmetry theory,theory of credit rationing theory,basket,game theory,after analyzing the small micro enterprise credit risk management has formed a preliminary understanding.Then,this paper introduces the status quo of small and micro business credit in jiangxi province and the mode of small and micro credit.It also introduces the mortgage mode of small and micro characteristics,After introducing the present situation of the banking industry in jiangxi province small micro enterprise and characteristics,Then introduces the risk management system and process of P bank nanchang branch.analysis of the risk management status quo of the bank to the bank as an example of the typical case to analysis and discussion,it is concluded that the bank's small micro enterprise credit risk management there is a small micro enterprise access mechanism is imperfect,imperfect credit rating mechanisms,risk early warning mechanism is imperfect,imperfect risk control process,few small micro loan product category five aspects.Finally,according to the causes of the risks,the corresponding policy recommendations are put forward.Follow the above ideas,content structure in this paper are as follows: first,to the small micro enterprise credit risk management,the paper analyses the background and significance,and the domestic and foreign about the small micro enterprise credit risk management of related papers from small micro enterprise financing difficult reason,small micro enterprise credit risk causes,small micro enterprise credit risk control means analysis of three aspects were summarized;Second,after defining the concepts of credit risk and credit risk management of small and micro enterprises,small and micro enterprises,it analyzes the information asymmetry theory,credit rationing theory,basket theory and game theory,laying a theoretical foundation for the following analysis and research.Thirdly,on the basis of defining relevant concepts and relevant theories,this paper analyzes the small and micro business credit of jiangxi province,including the current situation and operation mode of small and micro characteristics.Fourthly,based on the analysis of the risk prevention management system of nanchangbranch of P bank,the risk management system is analyzed from the pre-loan,in-loan and post-loan of small and micro loans.Fifth,then analysis and discuss the typical cases,based on it,conclude that the credit risk management of small and micro-sized enterprises in the banking industry is deficient in five aspects: incomplete access mechanism of small and micro-sized enterprises,imperfect credit rating and credit granting mechanism,small and micro-sized loan products and imperfect risk warning mechanism,imperfect risk control process.The sixth,according to the proposed deficiencies,put forward corresponding measures to improve credit risk management of small and micro enterprises.