Analysis On The Influencing Factors Of Loan Risk For Small And Micro Enterprises In W Rural Commercial Bank

Small and micro enterprises are an important foundation for national economic and social development.They play an important role in expanding employment,improving people's livelihood,and increasing tax revenue.They are also important areas for service and competition of various commercial banks.The 19 th National Congress of the Communist Party of China proposed that from now until 2020,it will be a decisive period for building a well-off society in an all-round way.It is necessary to highlight key points,make up shortcomings,and strengthen strengths and weaknesses.With the development of inclusive finance,the business of small and micro enterprises has grown rapidly,and the risk of loans to small and micro enterprises has become increasingly prominent,and the risk management issues that follow have become more and more important.As the main body of the financial system and the booster of economic activities,commercial banks must have a clear understanding.In particular,we should promptly and calmly summarize and analyze the current loan risks faced by banks,and then can we reduce the possibility of risk generation.Only in this way can achieve relative sustainable advantages in the fierce banking competition.This paper takes the influencing factors of small and micro enterprise loan risk of W Rural Commercial Bank as the research object.Firstly,it introduces the status of small and micro enterprise loans of W Rural Commercial Bank,the main measures of small and micro enterprise loan risk management,and the quality of small and micro enterprise loans.It describes the analysis process and analysis content of the factors affecting the small and micro enterprise loan risk of W Rural Commercial Bank.And the analysis method,analyzed the status quo of small and micro enterprise loans of W Rural Commercial Bank,and elaborated the causes of the risk of small and micro enterprises in W Rural Commercial Bank.Secondly,this paper qualitatively analyzes the risk influencing factors of W Rural Commercial Bank's small and micro enterprise loans,and determines the analysis framework of W Rural Commercial Bank's small and micro enterprise loan risk factors.The external factors include the impact of macroeconomics,the impact of government intervention,and the impact of industrial policy.Bank internal factors include the normative nature of small and micro enterprise loan business,supervision and comprehensive literacy of relevant employees.The main factors of borrowing include small and micro enterprises.The individual characteristics of the person in charge,the financial status of the borrowing company,and the management ability of the borrowing enterprise.Finally,in order to empirically analyze these factors,this paper builds a model based on the historical data of non-performing loans of W Rural Commercial Bank loan information.The results of the initial model indicate that there is a certain linear relationship,and some factors have a significant impact.In order to further improve the performance of the model,this paper deletes the insignificant factor project and constructs the screening model.The results of the screening model show that the industrial policy,the loan type,the asset-liability ratio of the loan enterprises,the profit margin of the loan enterprises,and the marital status of the person in charge of the loan enterprises have a significant impact on loan risk of small and micro enterprises.The main innovations of this paper are as follows:(1)W Rural Commercial Bank is listed on the A-share Main Board,which is in the head of the whole country.The analysis of influencing factors of loan risk of small and micro enterprises of W Rural Commercial Bank has important reference significance for other rural commercial banks in risk prevention and control;(2)In the analysis of the loan risk of small and micro enterprises in W Rural Commercial Bank,a screening table of influencing factors is constructed,more structured characteristic parameters are selected,and the evaluation system of influencing factors of the loan risk of small and micro enterprises with higher fitting degree with W Rural Commercial Bank is finally obtained by using logistic model;(3)The risk factors are analyzed from three dimensions: external environment factors,internal management factors and main factors of loans.Which further improved the risk prevention and control ability of W Rural Commercial Bank,reduce the expected loss rate and operating costs,and enhance the competitiveness of W Rural Commercial Bank in terms of pricing ability and market response elasticity.