Research On Credit Risk Management Of Small And Micro Enterprises In Wenzhou Branch Of M Ban

As China’s economy has shifted from high-speed growth to a new stage of high-quality development,small and micro enterprises have become the backbone of China’s economic development,and how finance can better serve small and micro enterprises has also become an important topic.However,due to the characteristics of small and micro enterprises such as low level of operation and management,weak anti risk ability and inaccurate financial information,banks are facing greater credit risk when carrying out small and micro credit business,which further exacerbates the financing dilemma of small and micro enterprises.How to find a balance between steady exploration in new profit areas and effective credit risk control of small and micro enterprises is not only a severe test for commercial banks,but also a subject that must be paid attention to and studied at present.This thesis selects Wenzhou Branch of bank M as the research sample,mainly based on the characteristics of small and micro enterprises in Wenzhou and bank M as a specialized bank serving small and micro enterprises.The research is typical,forward-looking and significant.Combined with the author’s own work experience,this thesis carries out the research by means of literature research,questionnaire survey and field research.Firstly,this thesis briefly describes the general situation of Wenzhou Branch of bank M,the development of small and micro business and the current situation of small and micro credit risk management.Through data analysis,it is concluded that the non-performing loans of small and micro enterprises of Wenzhou Branch of bank M are increasing year by year,which is in the forefront among similar regional institutions,and the small and micro credit risk management needs to be improved urgently.Secondly,by using the method of questionnaire,it is concluded that there are three major problems in the M bank Wenzhou branch,namely,the failure to fulfill the duty before the loan investigation,the incomplete review in the loan,and the management after loan.And the causes of the three problems are analyzed from eleven aspects.Based on the above problems and causes,this thesis finally puts forward practical and innovative risk management countermeasures from the perspective of whole process risk management.First,the risk identification aspect before loan,it puts forward four countermeasures for building corporate compliance culture,optimizing the content and means of pre loan investigation,exploring the construction of data sharing platform for government,banking and enterprises,and strengthening the ability of differentiated development.In particular,it proposes to build relevant data platform innovatively,and proposes to develop pure credit loan products and guarantee insurance products for different credit customers.Second,in terms of loan risk review,it puts forward three countermeasures: improving the risk early warning system,improving the independence of loan reviewers and improving the efficiency of loan approval.Especially in terms of the independence of loan reviewers,it puts forward countermeasures and suggestions from the aspects of personnel setting,review process and assessment system.Third,in terms of post loan risk control management,it proposed to improve the tracking and early warning mechanism of loan funds,strengthen post loan substantive investigation,regularly carry out internal audit and take multiple measures to strengthen non-performing disposal.In particular,it innovatively proposed to build an authorized fund tracking data sharing platform among peers to break through the restriction that loan funds can only be tracked in the bank,Emphasize the prominent role of internal audit and take new means to deal with non-performing loans.Under the background of high-quality development of China’s economy,this thesis studies the credit risk management of small and micro enterprises in Wenzhou Branch of bank M,which is not only conducive to improving the credit asset quality of small and micro enterprises in Wenzhou Branch of bank M,but also hopes to provide reference for other financial institutions to improve the credit risk management mechanism.