Research On The Construction Of Rapid Approval Framework For Loans To Small And Micro Enterprises Of Commercial Bank

With the development of China’s banking industry,commercial banks have entered the era of total risk management,how to construct and improve the comprehensive risk management system and keep growing and expanding on the basis of risk management,has become a new benchmark for the comprehensive strength of commercial banks.As one of the key links of the "three checks" system in the overall risk management system,the review ability and approval efficiency are the significant reflect of the overall risk management level of commercial banks.In the approval process of loans for small and micro enterprises,because of small and micro enterprises have a strong information asymmetry,it is more likely to cause risks,which drives many banks away and is to the disadvantage of the development of small and micro enterprises,It also reflects that the construction of the overall risk management system of commercial banks is not complete,and there are places worth improving.By analyzing the main drawbacks of Bank A in the review process of loans for small and micro enterprises,this paper builds a framework for rapid approval of small and micro enterprises to help loan examiners quickly grasp the current situation of enterprises,develop reasonable and effective loan programs and risk control measures,and promote the development of bank at the same time to strengthen risk control ability.This paper is divided into six parts.The first chapter is the introduction.The second chapter is the theoretical basis of this paper,which mainly recommends the correlation theories of risk management of commercial banks,and recommends the relevant concepts of small and micro enterprises and loan approval.The third chapter recommends the approval process of A commercial bank small and micro business loans,discusses the problems and challenges in the approval process of small and micro business loans.The fourth chapter elaborates the operation characteristics of small and micro enterprises,and analyzes how A commercial bank carry out operation data verification of small and micro enterprises,which provides data guarantee for the effectiveness of the rapid approval framework.The fifth chapter is the core of this paper,which describes the course of setting up the rapid approval framework for small and micro enterprises,introduces how to use the rapid approval framework to get six elements of the loan program which Bank A needs,make loan decisions,and demonstrate the effectiveness and practicability of the rapid approval framework.Chapter six is the conclusion and prospect of this paper.This paper researches the establishment of a framework for rapid approval of small and micro enterprises and concludes that the adoption of a framework for rapid approval is helpful for A merchant bank to enhance the service capacity of small and micro enterprises.The dynamic approval scheme is helpful for A merchant bank to strengthen its risk management ability.The information asymmetry of small and micro enterprises is still a major challenge in the loan approval of A commercial bank,which requires the concerted efforts of all parties to continuously promote the transparency of information of small and micro enterprises.Through the tripartite cooperation of government,bank and enterprises,it is helpful to realize the information sharing of small and micro enterprises.The rising of the application of big data and artificial intelligence in the loan approval of small and micro enterprises will help A merchant bank enhance their ability to serve small and micro enterprises.