Research On Loan Risk Management Of Small And Micro Businesses Of N Bank

Risk is an essential factor driving financial behavior.Without risk,the financial system would be a lot simpler.However,risk is ubiquitous in the real world.Therefore,commercial Banks should effectively manage risks in order to survive in this highly uncertain world.The future of banking will undoubtedly depend on the dynamics of risk management.In the long run,only those Banks with effective risk management systems will survive in the market.Effective management of credit risk is a key component of overall risk management and is critical to the long-term success of banking institutions.Based on the research foundation of domestic and foreign scholars on the loan risk management of small and micro enterprises,combined with the status quo of N bank,this paper carried out the risk management research.Firstly,it analyzes the deficiencies of existing credit products,business processes and internal control based on the current situation of bank N,and probes into the risk points and existing problems of loans to small and micro enterprises from multiple perspectives such as Banks,enterprises and other factors according to pre-loan,in-loan and post-loan management.After that,it puts forward the inducement of bank loan staff quality,product design,supervision and management,organizational structure,early warning mechanism and so on.Finally,the paper puts forward some specific Suggestions from Banks,enterprises and other aspects.