Research On The Credit Risk Management System For Small And Micro Enterprises Of QS Bank Xi'an Branch

The main channel for commercial banks to obtain profits is still credit business.Credit business is the main profit model for banks,and it is very important.However,in the process of developing credit business,credit risk has become an inevitable key issue for commercial banks.How to strengthen credit risk management,improve staff's risk awareness and risk control technology,and how to construct and continuously optimize risk management system have become urgent problems for banks.Based on the research object of Xi'an Branch of Qs Bank,this paper discusses how to identify credit risk and how to establish corresponding preventive measures through the combination of literature research and case analysis.The branch conducts long-term research and attempts to control credit risk.However,in practice,there are still many problems that have not been solved reasonably,including over-credit,unauthorized embezzlement of funds and other risks still exist,and more obvious.How to manage credit risk more efficiently is the main problem that the Xi'an Branch of Qs Bank urgently needs to deal with.This paper is based on the theory of Finance and management.It summarizes the research ideas and final results of the predecessors,synthesizes the actual situation of Xi'an Branch of Qs Bank,and gives a brief introduction to the current situation of the bank's credit risk,so as to make use of the theory of credit risk management and the corresponding research methods to analyze it.During the analysis period,borrowed the successful experience of credit risk management at home and abroad,constructed practical credit risk prevention measures and early warning system,refined the management work after bank lending,and finally put forward pertinent solutions to the existing problems of risk management of commercial banks,including strengthening the organizational structure construction,improving the professional technology of risk rating and so on.In order to provide some reference experience for other enterprises in the same industry to carry out risk management,such as personal accomplishment of executives and strengthening the subdivision of credit business levels,etc.The main points of this paper include the following two aspects: Firstly,with the support of economic theory,commercial bank risk management theory and principal-agent theory,this paper realizes the research on the credit business of small and micro enterprises of Xi'anBranch of Qs Bank.The research ideas and results have a certain practical value in the financial industry.Secondly,this paper takes non-performing loans as the starting point of discussing risk management,realizes risk management through internal control measures,and takes the supervision and management of relevant government departments and the restrictions formed by the market into consideration,establishes a relatively objective credit risk management and control system,and optimizes and perfects the system appropriately.