Research On The Risk Assessment Of Non-performing Loans Of Small And Micro Enterprises In Bank A

Small and micro enterprises have great potential,large quantity and wide range of industries,which is an important force to further promote the development of real economy and improve employment in China.In the development road of market economy,small and micro enterprises have gradually gained the high attention of financial institutions.The government and relevant departments have also issued documents to support the survival and development of small and micro enterprises in terms of policies,it requires commercial banks to increase financial support for small and micro enterprises.However,due to the impact of the macroeconomic situation on small and micro enterprises,the information asymmetry between banks and enterprises,the weak foundation of small and micro enterprises,and the imperfect credit risk rating mechanism of banks for small and micro enterprises,as a result,the non-performing loans for small and micro enterprises are increasing year by year.This not only brings the loss to the bank financial institution,but also increases the difficulty of the survival and development of the small and micro enterprises themselves.Based on the actual situation of bank A,this paper combs information asymmetry theory,risk management theory and credit theory.Then it introduces the basic situation of non-performing loans for small and micro enterprises in bank A,and analyzes the causes of non-performing loans for small and micro enterprises in bank A.On the basis of analytic hierarchy process,this paper constructs a risk assessment model of non-performing loans of small and micro enterprises of bank A,and evaluates the risk of non-performing loans for small and micro enterprises in bank A.Finally,this paper puts forward countermeasures and suggestions for the disposal and prevention of non-performing assets for small and micro enterprises in bank A,which mainly include: further strengthening the construction of credit risk management system of small and micro enterprises,broadening the disposal methods of non-performing loans in small and micro enterprises,improving the internal incentive assessment system and strengthening staff training.Through the research on the non-performing loans for small and micro enterprises of bank A,this paper will help promote the sustainable and healthy development of the credit business for small and micro enterprises of bank A,and further promote the steady and continuous development of the credit business for small and micro enterprises of bank A.In this way,the risk prevention level,operation and management level of non-performing loans for small and micro enterprises of bank A,as well as the ability to achieve profit target can be improved to a great extent,and the market competitiveness of bank A can be strengthened.