Study On Risk Management Before Small Micro Credit Granting In Yantai Branch Of Bank M

Small and micro enterprises are an important part of China’s national economy.They have made outstanding contributions to increasing employment,scientific and technological innovation,economic growth,social stability and harmony,and are of great significance to the development of national economy and society.The vigorous development of small and micro enterprises has also given birth to strong financing demand.However,the problems of narrow direct financing channels and high cost of indirect financing channels have been perplexing small and micro enterprises,and the problems of difficult financing and expensive financing have seriously restricted the development of small and micro enterprises.In recent years,the state has been increasing the support for small and micro enterprises,and various preferential policies have been introduced.At the same time,the homogenization competition of traditional business of commercial banks is becoming more and more fierce,and the financial market is basically saturated.Therefore,in order to adjust the strategic development focus,commercial banks begin to enter the field of small and micro credit,and the scale of small and micro credit is also increasing.However,due to the lack of information transparency and nonstandard finance in the short development time of small and micro enterprises in China,there are obstacles for banks to collect relevant risk information of small and micro enterprises.In addition,there are some problems and deficiencies in the risk prevention and control of small and micro credit,which lead to the corresponding risks of small and micro credit,and some banks have appeared a certain degree of small and micro bad credit,restrict the development of small and micro credit business.Therefore,commercial banks must strengthen the scientific and effective management of credit risk of small and micro enterprises in order to provide better financing services for small and micro enterprises.Based on this,this paper takes the pre loan risk of small and micro credit business of Yantai Branch of Bank M as the research object,based on the theory of information asymmetry,the theory of enterprise life cycle,the theory of relational lending,combined with the combing of relevant literature at home and abroad,analyzes the pre loan risk management of small and micro credit business of Yantai Branch of Bank M,and summarizes the existence of non-compliance in operation and over granting of this institution information,fraud and non-compliance of fund use.Through the analytic hierarchy process(AHP),the risk management situation of small and micro credit is quantified and analyzed.According to the importance of risk management,the main causes of pre credit risk are analyzed,including the weak awareness of risk culture,the pre credit investigation process,the formulation of reward and punishment system,the risk control ability and the ability of information collection and screening.Finally,this study puts forward some countermeasures and suggestions for risk management of small and micro credit before M Bank Yantai Branch,including strengthening business compliance training,strictly controlling operational risk,strengthening internal control management,raising risk culture awareness,perfecting pre loan investigation system,strengthening risk control ability and information collection screening ability,and so on,so as to provide reference for other domestic banks to pre credit risk management according to.