Research On The Optimization Of Commercial Bank's Small And Micro Enterprise Loan Risk Early Warning System

Chinese enterprises have achieved great economic development.In the same way,enterprises have also made important contributions to the development and progress of the national economy,which has made the government's policy attention and support for small and micro enterprises continue to increase.At present,the increasing number of small and micro enterprises has become the only way to regulate the market and activate the capital market economy.Commercial banks in various countries are also actively developing credit business for small and micro enterprises.Chinese financial scholars also generally believe that the channels and methods of financing are crucial to the healthy survival and development of small and micro enterprises.Therefore,under such circumstances,how to effectively use the financing of small and micro enterprises has a very important role and significance for promoting the survival and development of small and micro enterprises.This not only makes its relationship involve the healthy survival and development of small and micro enterprises,but also its relationship to the survival and development of my country's capital market economy and society,which can effectively promote the survival and development of my country's capital market.It has a positive impact on improving its people's livelihood,can effectively promote the survival and development of its innovation,and thus help my country establish a competitive and diversified capital market economic development environment.This article makes full use of the relevant system design theory of Bank of China's credit risk management and early warning,and analyzes the relationship between the overall situation of Bank of China X sub-branch loans and the overall situation of Bank of China's non-performing loans,confirming that there is indeed a management of credit risk Some problems: the organization of credit risk early warning is not perfect,the credit risk early warning process is defective,the early warning indicator system is not perfect,the quality of credit business related personnel needs to be improved,and the disadvantages compared with the advanced credit risk early warning system of foreign banks,etc..The current process of credit risk and management early warning business of Bank of China X sub-branch is compared with the current relevant system design standards,and the system of credit risk early warning of Bank of China X sub-branch in the construction of credit risk and management work system is obtained.There are indeed some deficiencies in all links.This article comprehensively analyzes the current credit risk management and early warning system design system of Bank of China X sub-branch,draws out the specific problems that exist in the construction of the current risk early warning system,and proposes supporting measures to improve the credit risk early warning system: establish and improve rules and regulations,prevent The system lacks risks,standardizes business processes,ensures that risks in all aspects of loans are in place,improves the level of risk identification,prevents corporate-level loan risks,strengthens the construction of credit teams,prevents credit risks,and improves the data system for risk monitoring to improve risk warning scientific.