Research On Risk Management Strategy Of Small And Micro Enterprise Loan Of S Branch Of Z Bank

In the national development strategy of the "steady growth,structural adjustment,promote reform and livelihood",small and micro enterprises play an indispensable role,therefore,carried out all kinds of support policies for small micro enterprise and preferential policy,commercial banks began to develop the corresponding small and micro enterprise loan businesses.However,due to the weak credit characteristics of small and micro enterprises,the loan risks of small and micro enterprises increase,on the one hand,small and micro enterprises are difficult to finance,financing costs are high;On the other hand,the loan risk problem is difficult to control and the risk cost is high,resulting in the phenomenon of commercial banks reluctant to lend.Therefore,this thesis studies the risk management strategy of bank loans for small and micro enterprises,which has important practical reference significance.This thesis takes S Branch of Z Bank as the research object,on the basis of Literature Review and related theoretical research,elaborates S Branch of Z Bank small and micro enterprise loan product,risk management present situation and non-performing Loan Risk Reason;Starting with the management of pre-loan,mid-loan and post-loan,this paper analyzes the loan risk of small and micro enterprises in s branch of z bank The reasons are: Moral Risk Reduces the information quality of small and micro enterprises;Customer Managers Pursue Marketing Performance Blindly;the quality and experience of risk managers are different;The value of the mortgaged property is unstable and the disposal time is long.Then,it puts forward to perfect the loan risk management strategy of small and micro enterprises S Branch of Z Bank,including optimizing the business process of loan examination and approval and staffing,controlling the loan credit risk and strengthening the internal control strategy to the customer manager,establish A multi-level guarantee system,and from the system construction,financing information construction and customer manager performance incentive management and other aspects of the implementation of the corresponding measures.Finally,the research conclusion of the thesis is put forward.The thesis argues that S Branch of Z Bank should focus on implementing the review mechanism of loan approval business,clarifying the responsibilities of all departments at the operating end,strengthening business training and talent cultivation,perfecting the credit rating index system,reviewing the authenticity of information of small and micro enterprises through the combination of interview and due diligence,implementing the dual investigation system of customer managers,introducing the non-performing loan accountability system,Clear customer manager duty exemption business standards,strengthen the management of mortgage guarantee,the customer credit advantage of supply chain financing,the introduction of silver bear and risk-sharing cooperation between Banks and insurance companies,and recommend clients through business channels to drainage,etc.,thus fundamentally controls the essence of the small and micro enterprise loan risk management of the Z Bank S Branch,thus forming a virtuous circle,Enhance the competitiveness of small and micro enterprises loan businesses to S Branch of Z Bank.