| Postal Savings Bank of China is one of the six large state-owned commercial banks in China.The number of its branches and customers is second to none among the state-owned banks.As the main body of the market economy,small and micro enterprises have an increasing influence on employment,tax revenue and GDP,and their importance has become increasingly prominent.In accordance with national policies,Postal Savings Bank A City Branch establishes A credit management department for small and micro enterprises to support national and local economic development.However,due to the problems before,during and after the loan,compared with the five large banks that have established diplomatic relations with the state-owned banks,the non-performing loan ratio of small and micro enterprises of the Bank remains high,and the credit risk management problem has restricted the healthy development of the credit business of small and micro enterprises of the bank.This article uses the city A branch of the postal savings bank as the research object,and uses research methods such as literature analysis,quantitative analysis method,and case analysis method.First of all,the basic operation of the city branch and the current status of the credit business of small and micro enterprises,and studies the risk management of credit business of branches in A City of small and micro enterprises from the three aspects of pre-loan risk identification,in-loan risk review and post-loan risk management credit process.Through the research,it is found that in the aspect of pre-loan risk investigation,the branch in A City is not rigorous in the customer access link and lacks independence in credit review.In the loan review,there are problems that the examination and approval work is concentrated in the loan review meeting.In terms of post-loan management,the early warning mechanism and post-loan management process for post-loan risks of branches in A City need to be improved.On the basis of analyzing the causes of the problem,the study put forward corresponding countermeasures for various issues from the actual situation.Mainly from the pre-loan,loan and post-loan three aspects,including the construction of small and micro enterprises credit rating system,independent reviewer mechanism,classification and classification authorization and approval mechanism,the establishment and improvement of credit risk early warning mechanism,optimize the post-loan risk management process.This study analyzed the small micro enterprise credit business problem,reducing the bad loan rate of small and micro enterprises,improve credit and risk management level,promoting the healthy development of small and micro enterprises,etc.The city branch and other state-owned banks Optimize the risk management of small and micro enterprises credit business risk management has a certain reference. |
