Research On Risk Evaluation And Control Of Small And Micro Enterprise Credit Business Of ICBC A Branch

With the development of China's market economy into a new normal,in order to revitalize the market,stimulate new economic momentum and sustainable growth vitality,small and medium-sized enterprises have gradually become the target of national assistance and support.As of the end of 2018,there were more than 30 million small and micro enterprises in China,and there were about 62 million individual industrial and commercial households.The proportion of small,medium and micro enterprises(including individual industrial and commercial households)accounted for more than 90%of the market players and contributed more than 50%Taxes,more than 60%of GDP,and more than 70%of technological innovations provide more than 80%of urban employment.Small and micro enterprises have made indelible contributions in adjusting the industrial structure,promoting the development of the regional economy,and alleviating employment pressure.In order to maintain the continuous growth of small and micro enterprise groups,in addition to the role of endogenous factors such as business model innovation,product capabilities,and management level,external support such as the support of external financing and the tilt of policies and regulations are required.Loans are an important source of small and micro enterprises,but because of their late start,inadequate management and improvement,and poor ability to deal with risks,small and micro enterprises have difficulty in loaning and financing small and micro enterprises.For commercial banks,The credit risk of small and micro enterprises is accurately evaluated,so it cannot make a reasonable evaluation and adopt effective risk management methods.Based on the above problems,the research subject of ICBC A is used to study the evaluation and control of credit risks of small and micro enterprises.Fristly,this article introduced and summarized the research on credit risk evaluation in small and micro enterprises.Then introduced the related concepts and theories,guided the theory,carried out research work,selected the main research object of ICBC A Branch,collected related information through second-hand data collection and interview research and other means,and further learned about ICBC For the operation of Branch A,based on the actual situation,a credit risk evaluation system for small and micro enterprises that meets job requirements is established.An analytic hierarchy process was used to comprehensively consider both qualitative and quantitative factors,and a set of evaluation index systems including macro risks,market risks,operating risks,and financial risks were constructed,and a customer enterprise of the Industrial and Commercial Bank of China A branch was selected as the empirical research object model.The verification was carried out.Finally,from the perspective of risk control,the improvement measures and suggestions for the credit risk of small and micro enterprises were put forward.Based on the comprehensive analysis of relevant actual information combined with theories and the relevant results of empirical research,this paper has obtained the following research results:comparing the empirical analysis results of the risk evaluation model with the evaluation results of previous banks and finding that for small and micro enterprises,A more flexible and relaxed evaluation mechanism.By observing the operating conditions of client companies,we can also find that the evaluation model has practical significance and use value.In terms of improvement,this article fully combines industry,commerce and industry from three levels:system,personnel,and technology.The actual situation of Bank A's branch,put forward feasible improvement suggestions,and provided a feasible reference plan for commercial banks to carry out risk control of credit business of small and micro enterprises.