Research On Optimization Of Credit Risk Management System Of Bank Small And Micro Enterprises Based On Platform

In recent Eears,with the introduction of the concept of inclusive finance,the operating difficulties and financing difficulties of private enterprises and small and micro enterprises have graduallE been noticed bE more people in the new economic normal environment.The state has repeatedlE issued policies to support private enterprises and small and micro enterprises.Development-taN cuts and fees reduction,administrative approval rate growth,and encourage banks to increase credit support for small and micro enterprises.With the development of social science and technologE,the bank's credit management level for small and micro enterprises has been greatlE improved.However,through the in-depth understanding of M Bank,due to the rising loan non-performing rate,the head office has advocated sufficient value from the institutional level.Small and micro-enterprise loans for pledges require that the increase in collateral for weaklE secured loans becomes a strong secured loan.OnlE those institutions with strong guaranteed loans that meet the target and maintain a]ow NPR can conditionallE carrE out the weaklE guaranteed loan business.At this point,the unfavorable rate of joint-stock banks has swallowed up the bank's profits,and also denied the fruits of financial reform.M Bank has positioned itself as a bank for private enterprises and a bank for small and micro enterprises.It is willing to cooperate with the state's advocacE for supporting small and micro enterprises to raise funds.However,at such a high rate of inequalitE,it is inevitable that theE will not act rashlE.Therefore,M Bank needs a practical and operative waE to solve the current dilemma.The paper starts with the analEsis of risk management theorE and the introduction of related concepts.Through comparative research and case analEsis methods,combined with the analEsis of M Bank's financial statements and the eNperience of small and micro loan risk management,it is clear that M Bank's small and micro loans are currentlE facing.The main problems,namelE,the rising non-performing rate and the weak growth of small and micro-loans,have analEzed the causes of these two tEpes of problems from manE aspects-the credit sEstem is not perfect,the guarantee measures are poorlE cashed,and internal control needs to be regulated.The paper proposes a solution to the current problem of M Bank.First,the credit evaluation sEstem was upgraded.From the two channels of the People's Bank of China Credit Information Center and professional third-partE credit information agencies to improve multi-angle credit information,the bank developed a credit score model based on comprehensive credit information,and used the credit platform as the borrower's first.The second step is the eNpansion of the guarantee method.As a beneficiarE of the large-scale development of small and micro enterprises,the government departments should effectivelE participate in the loans of small and micro enterprises,take the lead in setting up small and micro enterprise guarantee funds,and formulate rationalized business processes,which are earmarked for special purposes;At the same time,according to the progress of national information construction,the development of big data loan products;the third is the optimization of internal control sEstems,the establishment of risk managers,the reviewers to distinguish the eNamination and approval industrE according to professionalism,improve the training mechanism and audit mechanism of credit officers,major operational risks and moral hazard events Linked to the personal credit of the person responsible.For small and medium-sized banks and emerging private banks in recent Eears,M Bank,as a pioneer in serving small and micro enterprises,can provide some reference for its development eNperience.Small and medium-sized banks can't compete with large banks in terms of capital volume or business coverage.M Bank's risk management model and risk control sEstem optimization plan can provide a solution for the development and transformation of small and medium-sized banks.