Optimization Resrarch On Credit Risk Management And Control Of Smalland Micro Enterprises In W Branch Of Industrial Bank

In recent years,under the wave of "mass entrepreneurship,mass innovation",small and micro enterprises in China have developed vigorously and become an important driving force for the development of national economy.Small and micro enterprises play an important role in promoting the development of real economy,increasing employment and improving the level of social innovation.Compared with large and medium-sized enterprises,small and micro enterprises have smaller scale of assets,fewer employees,lower level of corporate management and more ability to resist risks,which makes financing difficult and expensive one of the problems restricting the development of small and medium-sized enterprises.On the one hand,small and micro enterprises have small assets and are more vulnerable to the negative impact of economic policies and social environment changes.Once the enterprises are not well managed,the risk of credit default of enterprises will increase greatly;on the other hand,the management of credit risk of small and micro enterprises is more difficult and needs to pay higher management costs.At present,the capital market's measurement of enterprise credit risk is mainly aimed at medium and large-scale enterprises.These theories are not applicable to small and micro enterprises.How to make small and medium-sized enterprises enjoy the dividends brought by the rapid development of national economy and solve the credit risk management problems of small and micro enterprises has become the research direction of common concern for the current capital market and academia.This paper chooses w branch of industrial bank to study its credit risk status of small and micro enterprises,in order to find out the existing problems,the causes of the problems,make a detailed analysis,and put forward targeted suggestions to improve the risk management level of small and micro enterprise credit business.The research framework of this paper is very obvious.Six chapters represent six parts respectively.The first part is the introduction,which explains the researchbackground of this paper,the research status of domestic and foreign scholars in related fields,expounds the significance of the research,introduces the main content and framework of the paper;the second part is the theoretical research status about credit risk management,introducing the credit risk of small and micro enterprises on the basis of the management theory and the research conclusions of Chinese and Western scholars;the third part is status analysis,which comprehensively introduces the current situation of W branch of industrial bank,the bank's risk management in small business.It was found that the current credit risk of small and micro enterprises in W branch of Industrial Bank mainly includes: the lax pre loan review,the lack of credit evaluation system,the defect of the review process in loan,and the absence of post loan supervision.It also analyzes the causes of these problems and finds out the reasons for these phenomena: there is an information gap with small and micro enterprises,the credit talent team of small and micro enterprises has not been established,the awareness and level of risk management is not high,the banking system is still in the traditional era,and fails to keep up with the background of the current Internet era.The fourth part,on the basis of the third chapter,combined with the actual situation of W branch,gives the improvement suggestion to solve the credit risk management problems of small and micro enterprises: strengthen the review management of the whole process of loans,innovate the incentive and restraint mechanism of small and micro credit personnel,strengthen the construction of risk organization mechanism,and innovate the use of financial products.The fifth chapter guarantees the effective implementation of W branch's credit risk management program from four aspects: provide more support to small and micro credit business,improving the credit risk culture construction,establishing and improving the credit personnel training system,and strengthening the application of financial science and technology.