Research On Credit Risk Management Of Small And Micro Enterprises In Industrial And Commercial Bank Of China S Branch

In recent years,with the rapid development of China's economy,the proportion of small and micro enterprises in the whole market economy has gradually increased,playing an important role in stabilizing economic growth,stimulating economic vitality and improving the structure of the market economy.The state has continuously issued innovative policies to promote the development of small and micro enterprises.However,the characteristics of small and micro enterprises,such as poor risk resistance,unsound management system,strong family connection and weak organization and management capabilities,have led to the difficulties of financing and high financing costs.If we want to solve this problem fundamentally,we need to analyze the root causes,that is,we need to solve the problem of credit risk management for small and micro enterprises in banks.Under the environment of increasing economic downward pressure,the credit business of small and micro enterprises in our country has many problems,such as large credit gap,limited credit products,insufficient endogenous power provided by the banking industry,etc.Based on the industrial distribution in S region,the credit risk management of small and micro enterprises in Industrial and Commercial Bank of China(ICBC)is studied and analyzed by taking its S sub-act as an example.Outside S Branch,there are mainly problems such as the great influence of national policies on small and micro enterprises,the limited role of the financial market in credit for small and micro enterprises,and the low quality of small and micro enterprises themselves.Internal problems are mainly manifested in internal management,risk identification system,guarantee risks,etc.At the same time,for the non-performing loans of small and micro enterprises that have occurred in S Branch,the possible flaws in the whole credit process are analyzed.S Branch has some specific problems,such as incomplete due diligence in pre-loan investigation,formalistic post-loan management,failure to timely track and correct the problems found.Therefore,in order to improve the credit risk management of small and micro enterprises in S Branch,in addition to optimizing the credit risk control environment,strengthening the pre-loan risk review,optimizing and improving the in-loan review and approval system,and strengthening the post-loan risk management,S Branch should also disperse the default risk faced by S Branch through strengthening cooperation with insurance companies,innovate the loan business according to the financing needs,and establish exclusive outlets in Zhongyuan Jiahai International Trade City and other markets as soon as possible to broaden the credit business scope and improve the credit risk management of small and micro enterprises in S Branch of Industrial and Commercial Bank,so as to achieve the purpose of risk prevention and control.