Research On The Risk Control Model Of Small And Micro Loans In ZL Ban

At present,China’s economy has entered the new normal,and small and micro enterprises,individual industrial and commercial households and other small and micro market players have made greater and greater contributions to economic development.In this context,the government has increased support for small and micro market players and actively guided banks to issue small and micro loans.However,due to the defects of small and micro market players,banks are facing higher risks when issuing loans.Therefore,establishing an effective risk control model is very important to promote banks to invest in small and micro loans.Through years of exploration and development,ZL bank has initially established a small and micro loan risk control model with the characteristics of this bank,but it is still not perfect,and there are some problems to be solved.Using the methods of data comparison and questionnaire survey,based on the theory of information asymmetry and credit rationing,it is found that there are some problems in the business development of small and micro loans of ZL bank,such as the decline of growth rate,the lack of new support points,the deterioration of risk status and the continuous growth of non-performing loan rate;In terms of risk management,there are some problems,such as unreasonable detailed design of risk control mode,insufficient standardized credit products,imperfect big data risk control model and so on.Combined with the problems,this paper investigates and analyzes the small and micro loan structure,human reserve and scientific and technological strength of ZL bank,and comes to the conclusion that the causes of the above problems are the insufficient number and quality of relevant personnel for small and micro loan risk control of ZL bank,backward scientific and technological strength,unreasonable and unscientific business operation planning,etc.To solve these problems and enhance the risk control ability of ZL bank,we should further improve human resources,optimize the details of risk control mode,improve management system and operation mechanism,and finally build a small and micro loan risk control mode based on the actual situation of the bank and adapt to market conditions,so as to ensure the healthy and orderly development of the bank’s small and micro loan business and realize the coordination and unity of economic and social benefits.The construction of ZL bank’s small and micro loan risk control model is still preliminary and imperfect.With the development of the situation and the changes of the market,many variable factors and uncertain factors will increase.ZL bank still needs to be improved and improved in the future practice.