Research On Credit Risk Management Of Small And Micro Enterprises In D Bank

Since the 19 th national congress of the communist party of China(CPC),Chinese government departments have issued a series of policies to support the small and micro businesses.Local commercial Banks have also responded actively to national policies to boost the development of the real economy,practice the concept of inclusive finance,and support the development of small and micro businesses.However,due to the characteristics of small and micro enterprises such as small operation scale,weak capital strength,unstable operating income and weak risk resistance,Banks will face greater credit risks when developing credit business of small and micro enterprises.Therefore,how to strengthen the risk management of small and micro credit,improve the risk prevention awareness of business personnel,improve the risk prevention and control technology,and optimize the credit risk management system has become an urgent problem in the banking industry.In order to solve this situation,this paper choose D Banks as the research object,the D bank small micro enterprise credit risk management is studied,at the current banking financial institutions to small micro enterprise credit risk management status,on the basis of combining with the relevant data bank of D to analyze its small micro credit risk management,and advances some optimized small micro enterprise credit risk management strategy.The paper is divided into six parts.First,it analyzes the research background and significance,summarizes the research results of scholars on credit risk identification,measurement and control of small and micro enterprises,and expounds the main content,methods and technical route of the research.Secondly,the concept and characteristics of small and micro enterprises and credit risk management theory are elaborated,and the formation of credit risk management problems of small and micro enterprises is analyzed on the basis of information asymmetry theory and financial innovation theory.Again,describe D bank overall situation,small micro enterprise credit business situation,small micro enterprise credit risk management status,and induces the Banks in the credit risk identification,measurement and control problems in the risk management of each link,including the bank small micro enterprise credit risk identification and measurement model of the main defects of: risk identification,measurement index and index weight set is not reasonable,and the flaws of the small micro enterprise credit risk control measures,main show is: before the credit link,smallmicro enterprise low barriers to entry,small micro enterprise business personnel insufficient experience insufficiency,the credit investigation;In the loan process,the approval of credit business lacks pertinence,the approval process of credit business is cumbersome,and the management of loan guarantee model is extensive.In the post-loan link,we should attach importance to the management before and during the loan,and neglect the post-loan management and the post-loan risk warning mechanism.Next,the credit risk identification and measurement of small and micro enterprises of bank D were optimized,mainly by adding and replacing indicators and recalculating and determining the weight of the indicator system with analytic hierarchy process,so as to optimize the credit risk identification and measurement model of small and micro enterprises.Finally,from the three links of pre-loan,mid-loan and post-loan,the optimization strategy of credit risk control of small and micro enterprises was proposed.In terms of pre-loan risk control,the access management of small and micro enterprises was optimized,a professional small and micro credit service team was built,and the pre-loan investigation of credit business of small and micro enterprises was optimized.In terms of risk control in loans,we should establish a targeted credit business approval model,establish an efficient credit business approval process,strengthen the management of guarantees,mortgages and pledges,and innovate the credit business guarantee methods for small and micro enterprises.In terms of post-loan risk control,we should do a good job in post-loan management and optimize the risk warning mechanism of credit business,so as to achieve the goal of optimizing the credit risk control of small and micro enterprises.