A Study On The Risk Management Of Small And Micro Enterprise Credit Business Of A County Rural Credit Cooperative Union

In recent years,the credit business scale of small and micro enterprises in rural credit cooperatives has continued to grow.However,affected by the macroeconomic situation and extensive management mode,the balance of non-performing loans and the non-performing loan rate of small and micro enterprises have increased year by year,the quality of their credit assets has continued to decline,and the credit risk has continued to accumulate.The problem of credit risk management has become a key factor to restrict the growth rate of financial service improvement of small and micro enterprises in rural credit cooperatives.A county rural credit cooperative union is a typical County Rural Credit Cooperative Association in the western region,which mainly provides financial services for small and micro enterprises and "agriculture,rural areas and farmers".Affected by its own development mode and internal management mechanism,the small and micro enterprise credit business of A county rural credit cooperative union has made some achievements,but there are still many problems,which have a negative impact on the quality of credit assets and sustainable and stable development of A county rural credit cooperative union.This paper takes the risk management of small and micro enterprise credit business of A county rural credit cooperative union as the research object.Based on the theory of credit risk management,using case analysis method,interview method and quantitative analysis method,this paper makes an in-depth analysis on the risk management of small and micro enterprise credit business of A county rural credit cooperative union.First of all,this paper summarizes the basic development of A county rural credit cooperative union and the current situation of small and micro enterprise credit business,and analyzes the current situation of A county rural credit cooperative union's small and micro enterprise credit business risk management from two aspects of pre loan risk identification and management and post loan risk management.The study found that A county rural credit cooperative union had some problems in pre loan risk identification and management,such as the lack of rigorous customer access,the lack of independence in credit review and the concentration of loan approval work in the loan review committee;in post loan risk identification and management,there were some problems such as the poor ability of credit risk early warning and the lack of effectiveness in post loan management.Then,from the perspective of internal management of the associated press,the main causes of theabove problems are analyzed,including unscientific credit rating system of pre loan credit,unclear responsibility arrangement of pre loan credit review,unreasonable setting of pre loan approval authority,failure to establish an effective pre-warning mechanism of post loan credit risk and incomplete post loan risk management process.Finally,from the two aspects of pre loan risk identification and management and post loan risk management,the paper puts forward the countermeasures and suggestions for optimizing the credit business risk management of small and micro enterprises of A county rural credit cooperative union,including improving the credit rating system of small and micro enterprises,introducing independent reviewers in the credit review process,implementing the Hierarchical Authorization Mechanism for loan approval,establishing and improving the credit risk early warning mechanism,and optimizing the post loan risk management Rationale.This study is not only of great significance to improve the risk management level of small and micro enterprise credit business,improve the quality of small and micro enterprise credit assets,and promote the sustainable and steady development of its credit business,but also provides some reference for other rural credit cooperatives to improve the risk management of small and micro enterprise credit business.