Research On Credit Risk Management Of Small And Micro Enterprises In E-bank Nanning Branch

Since 2017,the State Council has intensively issued many policy initiatives to fully support differentiated policies and encourage financial institutions to continuously optimize credit services for small and micro enterprises.However,what must be seen is that due to its inherent congenital factors and China's unique economic environment,China's small and micro enterprises face various constraints and obstacles in their sustainable development,such as weak enterprise strength,small scale of operation,and weak credit capacity.In terms of management,information,technology and talents,it lags far behind large and medium-sized enterprises.The low level of market management and poor management have led to frequent credit defaults in small and micro enterprises,which have continuously exposed financing loans for small and micro enterprises.Risks,resulting in financing difficulties for small and micro enterprises,financing problems still exist,in addition to some small and micro enterprises with strong operational capabilities,rich resources and some companies with temporary capital needs are easy to pass the credit approval of financial banks,many small and micro enterprises because The economy is down and often falls into a situation where capital turnover is not working.Therefore,it is very important to improve the credit risk management of small and micro enterprises.In view of the increasingly complex economic development situation,how to grasp the development rules and business characteristics of small and micro enterprises,strictly control the loan threshold of small and micro enterprises,and increase the control of financing of small and micro enterprises.All the processes of risk,to prevent the non-performing loan ratio and the balance from increasing,is a major problem that commercial banks urgently need to solve.Firstly,this paper expounds the research significance,method,content,background,existing achievements at home and abroad,the framework and structure of this paper,defines the connotation of small and micro enterprises,credit risk management and credit risk,analyzes,combs and summarizes the characteristics of small and micro enterprises and the manifestation of credit risk,so as to lay a theoretical foundation for further research.Secondly,taking e bank Nanning Branch as the research object,based on the brief introduction of itsbank development status and the comprehensive operation of small and micro credit business,this paper makes an in-depth study on the current credit risk management of Nanning Branch.According to the current situation of e bank's credit risk management,this paper focuses on the important problems encountered in risk control: single credit rating standard and lack of scientific rating standard;imperfect cost risk control of small and micro enterprises;many problems in the management during and after the loan;quality problems of customer managers of small and micro credit.Thirdly,after analyzing the key problems of risk control,from the perspective of helping e bank Nanning branch to develop credit,this paper gives the corresponding solutions and suggestions for the optimization of credit risk management of small and micro enterprises in three links before,during and after the loan: including the establishment of credit factory mode,the improvement of rating system,the strengthening of loan compliance investigation;the establishment of credit factory mode in the link of loan Deepen the construction of information historical database;strengthen the establishment of credit risk early warning information system;enhance post loan analysis,monitoring and management decision-making in the post loan link;pay attention to personnel training,implement incentive and constraint,etc.In this way,Nanning Branch of Bank E can obtain certain theoretical and practical reference when strengthening the control of credit risk of small and micro enterprises and improving its own competitiveness.