Research On Prevention Of Inclusive Financial Credit Risk Of Small And Micro Enterprises In Hexi Branch Of China Construction Bank

With the rapid development of national economy and the active support of national policies,micro enterprises have risen rapidly,and their credit demand has increased accordingly.Due to the problems of micro enterprises such as disordered management,weak credit collateral and unstable operation,the credit business risks of major banks have been increased.Inclusive Finance is to provide more fair financial services under the conditions of satisfying financial institutions' control of operating costs and adhering to sustainable development,emphasizing inclusive features and taking into account the principle of fairness.In recent years,major commercial banks have successively established inclusive financial centers and actively carried out inclusive financial services to meet the needs of various customers.Based on a systematic review of the relevant research on credit risk and inclusive finance,this paper analyzes the prominent problems in inclusive financial credit business of micro enterprises in Hexi Branch of China Construction Bank by using comprehensive risk management theory,information asymmetry theory,life cycle theory and internal control theory,and finds that Hexi Branch of China Construction Bank has credit risk problems,operational risk problems and liquidity risk problems.The key problems are information asymmetry between banks and enterprises,imperfect credit evaluation system,imperfect internal control system of commercial banks,imperfect legal system,insufficient awareness of employees' comprehensive risk management,failure to consider the life cycle of enterprises and industries,deviation of commercial banks' cognition of GSF,and incomplete post loan management.Combined with the actual situation of Hexi Branch of China Construction Bank,this paper puts forward countermeasures to prevent the inclusive financial credit risk of micro enterprises,including creating an inclusive financial development environment for micro enterprises,enhancing the support of capital market for micro enterprises,deepening the inclusive financial service transformation of commercial banks,and improving the overall risk management awareness of employees.The research has certain reference significance to prevent the credit risk of micro enterprises in an all-round way,speed up the steady operation of bank credit work,and improve the current situation of "financing difficulty" of micro enterprises.