Research On Optimization Of Risk Management For Small And Micro Enterprise Credit Business Of X Bank

Small and micro enterprises are the driving force for development,but financing difficulties have long been one of the "bottlenecks" restricting the development of small and micro enterprises in China.In order to alleviate the financial pressure on small and micro enterprises,in recent years,China has successively introduced various financial policies to provide financing support for small and micro enterprises.As a policy bank,X Bank actively responds to national policy guidance,based on the development of agriculture,rural areas,and the agricultural industry in Lvliang City,continuously innovates financial products to meet the financing needs of agricultural small and micro enterprises in Lvliang City.Since 2018,X Bank has collaborated with the local government to launch the "Y model" small and micro enterprise loan product,which has played an important role in supporting the survival and development of small and micro enterprises within the scope of Lvliang City for seven years.However,it is undeniable that due to the inherent shortcomings of small and micro enterprises and the objective problems of Bank X in risk management,coupled with the impact of the COVID-19 that has lasted for three years since 2020,the market economic environment has generally declined,making Bank X’s "Y model" small and micro enterprises credit risk frequently exposed.Therefore,it is very necessary to study Bank X to further optimize the risk management of small and micro enterprises’ credit business.This article takes the "Y mode" product of X Bank’s bank government cooperation as an example to study the optimization of risk management for small and micro enterprise credit business.In terms of theoretical basis,literature analysis is first used to explain the current research status of domestic and foreign scholars on risk management for small and micro enterprise credit business.Subsequently,information asymmetry theory,comprehensive risk management theory,big data risk control theory,etc.are introduced as the theoretical basis for the entire article;Using case analysis method to analyze the basic situation of X Bank,as well as the current development status and risk management status of its small and micro enterprise credit business.Based on the current situation of X Bank’s "Y mode" small and micro enterprise credit risk management,the problems that X Bank faces in risk management of small and micro enterprise credit business were extracted,mainly including inadequate risk management process control,insufficient ability to use big data for risk control,and incomplete comprehensive risk management system The construction of credit talent team needs to be improved in these four aspects.At the end of the article,combining the characteristics of X Bank as a policy bank and the current background of the widespread use of big data technology to improve bank risk management,measures are proposed to further optimize X Bank’s small and micro credit business risk management,mainly including: firstly,continuous improvement of the bank government cooperation model;The second is to use big data to optimize risk management processes,strengthen pre loan risk identification,strengthen independent approval during loans,and strengthen post loan risk monitoring;Thirdly,improve the construction of credit risk management system;The fourth is to strengthen the construction of talent teams,improve the overall quality of credit business personnel,and establish a professional risk control talent team.It has practical reference significance for the risk management of X Bank’s small and micro credit business,and can promote the sustainable development of the "Y model" small and micro credit in bank government cooperation,fully leveraging the supportive role of policy banks for small and micro enterprises.