A Bank’s Small And Micro Enterprise Credit Risk Management Problems And Countermeasures

Small and micro enterprises are an important driving force for the growth of the national economy,and they occupy an absolute quantitative advantage among various market players in the country.From 2016 to 2020,the number of market entities across the country has increased from 87.054 million to138.407 million,and the proportion of small and micro enterprises has also increased from 94.1% to 96.8%.The scale of their credit demand also shows a trend of rapid growth.Under the call of the state’s policy of supporting the healthy development of small and micro enterprises,the credit business of small and micro enterprises in the banking industry has developed rapidly.Usually,they will focus more on the risk management of small and micro loans,and try to reduce the uncertainty of developing small and micro enterprise credit business.This thesis selects Bank A,which is characterized by small and micro enterprise credit,as the research object,and mainly uses the method of literature research,case analysis,quantitative and qualitative analysis,as well as the risk management of small and micro enterprises in Bank A.more detailed analysis.Based on the bank’s business data in the past five years,the article elaborates on the problems existing in Bank A’s credit risk business for small and micro enterprises,such as rapid growth of non-performing loans,inadequate internal management,inaccurate risk identification,inadequate post-loan management,Problems such as single credit risk management mode,and the reasons behind it are analyzed.On the basis of the above,this thesis takes the credit process as the main line,and gives targeted suggestions and measures before,during and after the loan.At the same time,the study also emphasizes that credit risk management should build a targeted credit risk management model according to the different industry attributes and characteristics of credit customers.Combined with the background of today’s rural revitalization and common prosperity,this thesis,based on the above research,takes the current Targeted at the "Rural Revitalization Wealth Loan",which is being carried out vigorously,a specific risk management design scheme is proposed according to its industry characteristics and attributes.While trying to improve the current situation of Bank A’s credit risk management and effectively improve the credit quality of its small and micro enterprises,this study also attempts to provide some reference for similar or similar problems.