Research On Credit Risk Control Of Credit Granting For Small And Micro Private Enterprises

At present,the number of private enterprises in China is huge,accounting for more than 90%of the total number of enterprises in China,and the growth rate is very fast,among them,the number of small enterprises and micro enterprises accounts for more than 70%,becoming the main component of private enterprises.China has also continuously introduced various favorable policies to support the development and financing of small and micro private enterprises.In this environment,small micro private enterprises become an important partner of commercial Banks,but commercial Banks with small private enterprises to carry out credit business,not only small micro private enterprises in the face of financing conditions is relatively strict,Banks also in credit risk management work,due to their own risk prevention and control methods and measures exist larger problems,cause many frequent risks,brought large economic losses to the bank.Therefore,it is necessary and urgent to fully improve and optimize the risk prevention and control in the credit business of small and micro private enterprises of commercial banks,so as to fully reveal the risks and hidden dangers,reduce the economic losses caused by risk exposure,and improve the efficiency and return of the utilization of credit resources.Through data collection and statistics,the ZX bank JN branch small micro private enterprise credit business development and the present situation of the analysis,combined with ZX bank JN branch credit business process,through the interview method and questionnaire survey,the ZX bank JN branch in private small micro enterprise credit business risk control before loan investigation failed to fully reveal the hidden risks,loan lending failed to strictly implement rules,post-loan management failed to discover the three risk signal problems are classified.Through the study of ZX bank JN branch of real business case,combined with the bank internal data and through the interview statistics,the real typical risk cases deeply analyze the deep causes of the risk,and further reveal the risk point,the ZX bank JN branch risk prevention and control work to improve the necessity and urgency of optimization is fully explained.In view of the problems faced and exposed by ZX Bank JN Branch in risk prevention and control when carrying out credit granting business in private small and micro enterprises,According to the cause of the problem,In this paper,through the improvement of the business model,the optimization of the workflow of the two aspects of the specific,feasible,strong operability of the optimization and improvement suggestions,At the same time,in order to effectively implement the smooth implementation of the optimization and improvement suggestions,This article establishes the implementation of the "strong notarization" system,the creation and implementation of the "negative behavior list" system,the establishment of the risk assessment mechanism of front-line business institutions and credit personnel,To ensure the quality and efficiency of the improved and optimized risk prevention and control work,In this way,ZX Bank JN Branch can optimize the risk prevention and control measures of the credit business of small and micro private enterprises,enhance the risk prevention and control ability,improve the operation quality and efficiency,and help the growth of small and micro private enterprises,To achieve the long-win-term development goal of enterprises and banks.