Research On The Status And Optimization Of Credit Risk Management In Small And Micro Enterprises

In the context of economic globalization,the exchange of goods and services between countries has become more frequent,and a large number of production tools and daily necessities are circulating at high speed around the world.As a provider of such goods and services,small and micro enterprises have an increasingly important position in economic activities.The Opinions of the China Banking Regulatory Commission on Further Deepening the Financial Services of Small and Micro Enterprises(Yinfa [2018] No.162)and the General Office of the CPC Central Committee and the General Office of the State Council on February14,2019 issued a number of opinions on strengthening private enterprises for financial services.On the other hand,it is necessary to increase the support of financial policies and focus on improving the pertinence and effectiveness of financial services for private enterprises.It is necessary to further improve the management of financial bonds issuance of small and micro enterprises,and issue small and micro enterprise credit asset-backed securities for banking financial institutions.Provide strong support.Through the above measures,it is seen that the CBRC and the Central Government Office attach more importance to financial support for small and micro enterprises.Wuxi Branch of Jiangsu Bank,as a tier-one branch under the jurisdiction of Jiangsu Bank,is unmatched by other tier-one branches in terms of its subordinate asset size,institutional network or number of employees,and is in terms of business scope,customer base,information level and The service level is ranked in the forefront of similar tier-one branches.After the launch of the small and micro enterprise loan business,Jiangsu Bank Wuxi Branch is facing the same problems as other banks,such as risk agglomeration,weak foundation and lack of stamina,and these problems are showing a more serious trend.At present,the most urgent and important issue facing the small and micro enterprise financial services of Wuxi Branch of Jiangsu Bank is how to improve its own financial service quality and efficiency for small and micro enterprises,improve the management andcontrol ability of small and micro enterprises' credit risk,and enhancesmall and microcorporate credit profitability.This paper comprehensively uses the literature data method,questionnaire survey method and case analysis method to study the micro-credit risk management of Wuxi Branch of Jiangsu Bank,including the following aspects:Firstly,through the questionnaire analysis method,find out the micro-credit risk of Jiangsu Bank Wuxi Branch There are three problems: the management of the existing personnel management mechanism,the improvement of the internal control environment,the imperfect credit rating system,the poor performance of the risk control measures,the inadequate implementation of internal supervision and the imperfect construction of the information system.First,macro environmental factors,including fluctuations in the interest rate market,product upgrading and adjustment of national policies;second,financial industry factors,including the impact of different stages of the industry's rising and falling periods;third,internal factors,Including the concept of heavy loan and light management is relatively heavy,the industry's early warning is not comprehensive,the post-loan management is not perfect,the legal quality is low,and the talents are lacking.Finally,based on the theory of risk management and control,the Bank of China Wuxi Branch's micro-credit risk management is improved.Countermeasures The management mechanism of small micro-credit personnel,improving the internal control environment of small micro-credit,establishing a sound credit rating system for small and micro credit,constructing a scientific and rational micro-credit risk management mechanism,strengthening the internal supervision and inspection mechanism of small and micro credit departments,and improving the construction of internal information systems in the credit department,etc.,thereby reducing the risk of micro-credit.This paper hopes that through research,the theoretical system of small and micro credit risk management of commercial banks will be continuously improved,and the senior leaders of Jiangsu Bank Wuxi Branch will be provided with measures to effectively control the credit risk of small and micro enterprises,which will play a certain role in the development of small and micro credit business of all business banks.