Research On Credit Risk Management Of Small And Micro Enterprises In The Lanzhou Branch Of The Postal Savings Bank Of China

Benefiting from the central and local government's policy support for small and micro enterprise finance,China's small and micro enterprise loans has shown rapid growth.However,for commercial banks,small and micro enterprises have weak profitability,management capabilities and anti-risk capabilities,which bring greater risk management pressure to commercial banks.Due to the large gap between eastern region and western region in the economic environment and governance level,small and micro enterprises in the western region is facing greater credit risk pressure.Thus,researchers are urgently required to conduct in-depth analysis and research of credit risk management of small and micro enterprises in the western region.This thesis takes Lanzhou Branch of China Postal Savings Bank Co.,Ltd.(hereinafter referred to as PSBC Lanzhou Branch)as research object.Through indepth interviews and questionnaires,this paper analyzes the status quo,problems,and antecedents of credit risk management of small and micro enterprises in PSBC Lanzhou Branch.Then,the corresponding improvement measures and implementation guarantees are proposed.Results show that the problems of credit risk management of small and micro enterprises in PSBC Lanzhou Branch are mainly concentrated in the difficulty of identifying and evaluating the credit risks of small and micro enterprises,the untimely risk warning and prevention,the slow speed of risk control and resolution,and the weak risk management and control capabilities.Through further field survey and analysis,this paper finds that the main antecedents of these problems are the deficient credit risk management information system for small and micro enterprises,inadequacy risk management systems and risk management processes,relatively homogeneous risk warning and preventive measures,insufficient professional skills and risk management training,unclear responsibilities and poor coordination of risk management departments,and unfair liability determination of overdue and non-performing loans.In order to solve the above problems,this paper proposes a series of countermeasures to optimize the credit risk management of small and micro enterprises in PSBC Lanzhou Branch.These optimization countermeasures include enhancing the independence of credit risk management department,improving credit risk rating hierarchy system and risk management information system,strengthening the small and micro enterprises' credit business field survey rule,liability determination rule,and performance evaluation rule and reviewing and approving rule,promoting the credit risk management training of small and micro enterprises,using diversified warning means,and so on.The conclusion of this study is helpful to improve the credit risk management level of small and micro enterprises in PSBC Lanzhou Branch,and it also has certain reference significance for the credit risk management of other commercial banks in the western region.In addition,the conclusions of this study will help PSBC Lanzhou Branch to better serve small and micro enterprises in the western region on the basis of controlling credit risks,and to promote the stability of the local financial market and local economic development.