Research On Risk Management Of Smalland Micro Loans In KF Bank

To deepen the financial services of private small and micro enterprises,as a key policy of the state at this stage and in the future,while increasing the financial supply and enriching the innovation of financial products,we should take the risk management of small and micro loans as an important work to support the sustainable development of small and micro loans.Whether the risk of small and micro loans can be effectively controlled is not only related to the bank's own business performance and regulatory requirements,but also related to the healthy development of the national market economy.How to carry out targeted and creative loan risk management of small and micro enterprises by commercial banks has become a problem that every Bank and country need to pay attention to.First of all,this paper analyzes the development of KF bank's micro loan business through literature theoretical analysis and inductive analysis.Combining theory with practice,it studies and analyzes its development process,small and micro products,management mode,organizational structure,risk management business process and loan structure,and focuses on identifying the problems in credit risk management and operational risk management: non-performing.The loan balance and non-performing rate continue to rise,deviate from the principle of small amount decentralized risk control,the problem of information asymmetry is prominent,and post loan management is just a formality.Secondly,in view of the problems found and the causes of the analysis and research,although there are objective factors such as changes in the external macro environment,high risk of small and Micro customers themselves,and imperfect construction of social credit system,the more important reason is that KF bank does not have a strong awareness of risk prevention and control in its own risk operation and management,does not control the macro industry risks in place,and has defects in product positioning design.Risk investigation The decline of evaluation ability,unreasonable loan examination and approval system,and imperfect post loan management mechanism result in.Finally,based on the relevant literature theory and their own experience,this paper puts forward optimization suggestions for KF bank from the aspects of business philosophy,product setting,risk control technology,management system,mechanism construction and process operation: first,strengthen risk awareness and adhere to steady development;second,strengthen macro analysis and improve the risk prevention and control ability of the industry;third,optimize product andservice strategies and make reasonable decisions.The fourth is to improve the quality of risk prevention and control personnel and the level of science and technology by strengthening the technical training of employees and accelerating the application of digital technology;the fifth is to improve the staffing and optimize the loan approval system;the sixth is to take multiple measures to improve the ability of post loan risk early warning and disposal.The effective management of small and micro loan risk can not be achieved without the joint efforts of small and micro enterprises themselves,financial institutions and the government.This paper,based on the experience of the construction of risk prevention and control system in the inclusive financial reform pilot area of Lankao County,Henan Province,suggests that KF bank local government,together with relevant departments and financial institutions,should establish a credit information sharing platform and loan risk base for small and micro enterprises.Gold,reduce the impact of information asymmetry,share the loan risk of small and micro enterprises,create a good financial ecological environment of "trustworthy incentive,dishonest punishment",maintain the security of financial institutions' claims,and realize the harmonious and healthy development of economic growth and financial stability.