A Case Study On Credit Risk Management Of G Bank's Small And Micro Enterprises Under The Background Of Internet Finance

Small and micro enterprises are an important part of China's economic and social Small and micro enterprises are an important part of China's economic and social development,which are of positive significance for the steady growth of the national economy,promoting social progress and technological innovation.However,compared with large and medium-sized enterprises,small and micro enterprises have higher risk,shorter life cycle,smaller scale of operation and production,and weaker anti risk ability.At the same time,due to the lack of basic data,incomplete financial data,and difficult to implement post loan management in small and micro enterprise loan business,for commercial banks,how to actively expand small and micro enterprises It is the primary problem to effectively prevent and control the loan risk of small and micro enterprises while carrying out the credit business.In June 2018,the central bank,China Banking Regulatory Commission,China Securities Regulatory Commission,China Development and Reform Commission jointly issued the policy of opinions on further deepening financial services for small and micro enterprises,which proposed that Internet finance should be used as an effective tool to support small and micro enterprises,and high-tech means including big data,cloud computing and 5g technology should be applied to the credit rating and financing business of small and micro enterprises.With the rapid development of Internet technology and national policy support,the Internet and financial services continue to integrate with each other,and this change is also reflected in the risk management of commercial banks' credit business.From the perspective of commercial banks,inclusive financial services are often characterized by high risk,high cost and relatively low return.Therefore,how to respond to the national policy guidance,do a good job in the financial services of small and micro enterprises,at the same time,can also effectively control the debt repayment risk of enterprises and realize the financial sustainability of enterprises has undoubtedly become a key issue that banks must consider.From the perspective of commercial banks,this paper analyzes the credit related problems of small and micro enterprise banks.This paper takes the case of small and micro enterprise credit risk management of bank g as the research object,analyzes the current situation of small and micro enterprise risk management of bank g in the process of improving the current situation of small and micro enterprises by Internet finance mode,finds out the problems from the current situation,and finally combines the background of the rapid development of Internet Finance and the policy guidance of "Inclusive Finance" for small and micro enterprises of bank G Micro enterprise credit risk management puts forward improvement strategies.Inclusive financial services are often characterized by high risk,high cost and relatively low return.Therefore,how to respond to the national policy guidance,do a good job in the financial services of small and micro enterprises,at the same time,can also effectively control the debt repayment risk of enterprises and realize the financial sustainability of enterprises has undoubtedly become a key issue that banks must consider.