A Research On Credit Risk Management And Optimization Of Small And Micro Enterprises In Minsheng Bank S Branch

Commercial banks are the strongest pillar of China's financial system,playing an important role in supporting national economic development,and acting as the main force of credit financing for small and micro enterprises.Even though Internet finance is in full swing,banks are still the main force in the battle of "Blue Sea" of small and micro enterprise credit services.Since 2008,Minsheng Bank S Branch(hereinafter referred to as S Branch)has been committed to innovating and developing service mode under the guidance of its head office's strategy of " Financial Services of Small and Micro Enterprises".It has built one-stop development platforms such as business outlets+Internet,credit+mortgage,comprehensive financial services,etc.to solve the difficulties of "blood transfusion" for private small and micro enterprises and help a large number of them enter the "fast lane" of development.However,the rapid development of Internet finance and the downward pressure of macro-economy have made it more difficult for S Branch to prevent and manage credit risks for small and micro enterprises.Firstly,the development of Internet finance has brought tremendous pressure on traditional financial institutions such as S Branch to transform and upgrade.Secondly,policy dividends have catalyzed the influx of credit institutions such as private banks into the field of micro-finance,dividing up the credit market share and posing a challenge to S Branch in enhancing its own motivation and innovation ability.Thirdly,industry risks are gradually erupting,and regional risks are concentrated.As a result,S Branch suffers a lot of losses,and the burden of non-performing assets seriously hampers its development.Small and micro financial services contain huge commercial profits,which are the key area for commercial banks to develop and support in the future.It is of great significance for banks and enterprises to focus on finding prominent problems in credit management of small and micro enterprises,and to conduct in-depth analysis and research on how to make risk management more scientific and efficient.This paper takes S Branch as the research object,adopts the methods of literature research,field investigation and qualitative analysis,and takes the theories of "information asymmetry","principal-agent" and "internal control" as research guidance.Based on the definition of concepts such as small and micro enterprises,credit risk,and literature reviews on credit risk rating,loan pricing and other aspects,this paper starts from the present situation of credit risk management of small and micro enterprises in S Branch,through analyzing relevant data and cases,and makes in-depth analysis on the weakness of risk management at the grass-roots level in credit risk management of small and micro enterprises,the deviation of credit rating,unscientific loan pricing,repeated violations and other aspects,to find out the outstanding problems and causes of risk management in each link.Combining the theoretical research and practical experience at home and abroad,this paper puts forward some management optimization strategies,such as enhancing the risk management ability of grass-roots network,improving credit evaluation system,establishing RAROC pricing mechanism,and consolidating three lines of defense.