Credit Risk Analysis Of Small And Micro Enterprises Of G Commercial Bank Under The Background Of Network Finance

The banking industry and the traditional internet have been joined together in the new service model of e-finance,offering a range of services,such as online banking,Internet Securities Trading,and insurance companies,and provide more convenient services.The advent of Internet technology has revolutionized traditional financial industry technology,revolutionizing Operation Mode and industry concept.Notably,it has made a remarkable impact on the growth of small and micro-enterprise credit businesses of commercial banks,with its capacity to identify risks,optimize processes,and more.For commercial banks,small and micro-enterprise credit business has become an indispensable part of commercial banks to support Pratt & Whitney’s financial development.Especially with the rapid development of network technology,the use of network finance,technology finance,the iterative upgrading of the commercial banking system is also constantly upgrading.The operation of small and micro enterprises is limited by their own limitations and risk levels,so when they carry out small and micro credit business,they must take corresponding measures to optimize risk management in order to adapt to the changing market,to ensure that the core interests of the bank are effectively protected.It is essential for commercial banks to employ Internet finance to detect default risk and manage risk occurrences in such a situation.Based on this,this article through the study of G commercial bank B branch small and micro enterprise credit business default case to explore G commercial bank credit business default risk.This paper analyzes the default risk of the credit business of small and micro enterprises from the perspectives of credit risk,moral risk,operational risk,market risk,liquidity risk and so on by means of case analysis method and data statistics method,explores the causes of the occurrence of the default risk of the credit business of small and micro enterprises,and,in combination with the actual development status of the credit business of small and micro enterprises of G commercial bank,puts forward appropriate risk prevention suggestions from the three stages of pre-lending,lending and post-lending.Firstly,the access system of small and micro enterprises shall be improved to match the loan products most suitable for their business characteristics for the access of small and micro enterprises,and meanwhile,appropriate credit enhancement measures such as government guarantee shall be introduced.Secondly,the bank credit officers shall conduct comprehensive analysis and assessment of the operation and credit status of small and micro enterprises in the lending process,strengthen the supervision of loan funds in the process of granting loans,and finally,the banks shall,by virtue of the force of network finance,assess enterprises and loan funds through scientific and technological means,identify potential risks through analysis of big data,and conduct full assessment and review of such risks.Researching can assist G commercial bank in tackling the issues encountered in the growth of credit for small and micro enterprises,recognizing the risks before they arise and avoiding losses.It also serves as a benchmark for other commercial banks of the same type to enhance the risk recognition and regulation of micro-enterprise credit business.