Research On Credit Risk Management In Fast Loan Business Of Small And Micro Enterprises Of A Bank

As an important component of promoting the development of national economy,the inherent financing difficulties and business environment of small and micro enterprises have been attached great importance by the Party and the state in recent years.The introduction of preferential policies such as tax reduction and fee reduction has strengthened financial institutions' support for small and micro enterprises.A Bank's small and micro enterprise fast loan products also emerged in this context.However,as mentioned in the "Promotion of inclusive financial development plan(2016-2020)," we should promote the development of Inclusive Finance under the condition of controllable risk.In order to promote the healthy and orderly growth of small and micro enterprises,the credit risk prevention and control of their credit products can not be ignored.A bank,as a branch of L bank,will take credit risk management of small and micro enterprises' fast loan business as the research object of this paper.Meanwhile,this article will combine with the current situation of risk management of A small and micro enterprises' quick loan business,and deeply analyze its existing problems,in order to find out the risk management countermeasures for small and micro enterprises' quick loan business.The first chapter of this paper mainly introduces the research background and significance,research methods and route,and briefly combs the relevant application literature at home and abroad.The second chapter describes the related theories of small and micro enterprises,big data,small and micro enterprises' fast-loan business products and credit risk management,which provides a reference for the later narration.The third chapter is based on the analysis of the credit risk management status of the small and micro enterprises' fast loan business of A Bank,and points out the existing related problems through non-performing loan cases.The fourth chapter is based on the related problems found above,and puts forward corresponding solutions.The fifth chapter is the implementation of security and expected results.The last part is the conclusion of this paper.