Project Design Of Loan Credit Rick For Small And Medium Enterprises Of Local Commercial Banks In W Cityunder COVID-19

At present,there are more and more potential uncertainties in the domestic and foreign environment.Driven by structural adjustment policies such as deleveraging policies and systemic risk prevention,domestic banks’ social responsibilities are becoming more and more prominent.In the post-epidemic era,commercial banks serve as the driving force to promote the development of the real economy.On the one hand,we should not only ensure our own good development trend,but also take into account the risk prevention and control problems.In such a social background,it is very necessary to formulate targeted credit risk plans.This paper is based on the relevant credit risk management theory,The credit risk status of J Commercial Bank W Branch was analyzed by means of empirical analysis,case analysis and literature analysis,By providing an overview of the current development situation of J Commercial Bank W Branch and the impact of the COVID-19 outbreak on economic development and on small and medium-sized enterprises in different industries and different regions,Finally,the problems existing in the credit risk scheme currently implemented by J Commercial Bank W Branch,It is mainly manifested in the credit rating evaluation mechanism,credit risk quantitative mode and credit risk management mechanism,And to optimize the Z model and F model of J Commercial Bank W Branch under the epidemic window,Empirical analysis is performed on the basis of the optimization model.Then,the corresponding optimization scheme is put forward,including the objectives and ideas of the optimization scheme,the optimized model and the specific practical measures,including the accurate evaluation of the different development stages of COVID-19,and the timely measurement of the impact of the industry credit value changes on the credit measurement value of small and medium-sized enterprises.Then the proposed optimization scheme according to the case analysis,the effectiveness of the optimized scheme is verified.In the empirical analysis part,it is concluded that the corresponding optimization models and measures adopted are mainly reflected in the internal mechanism and credit process optimization,the means and methods of coping with risks,and the new credit measures that are more in line with the special period of COVID-19 epidemic.At the end of the paper,a series of effective safeguard measures are put forward,namely,establishing the loan risk sharing mechanism of small and medium-sized enterprises,improving the credit guarantee mechanism and establishing the risk prevention and control mechanism.The research in this paper is of great significance to the overall business strategic planning of J Commercial Bank W Branch and meeting the monitoring requirements of regulatory indicators.First,through the development of credit risk model,the credit risk of commercial banks is quantified;second,the rating and access of credit customers is adjusted to meet the overall strategic planning and risk preference of commercial banks.Realize integrated,standardized and professional credit risk management,and improve the management level and work efficiency of the whole bank.