Optimization Research On The Risk Management Of Small And Micro Enterprises Loan Business Of Yongzhou Branch Of Huarong Xiangjiang Bank

With the slowdown of China’s domestic economic growth and the change of economic structure,small and micro enterprises,as an important participant in the domestic economic market,ensuring the health and stabi lity of small and micro enterprises has a great effect on promoting China’s economic growth,increasing employment and fiscal revenue.However,after the subprime mortgage crisis,the international political and economic environment has been complex and ch angeable,the pressure of domestic economic and financial development has been increasing,the growth rate of banking assets and profits has decreased,and the non-performing rate is increasing year by year with the economic situation.Especially after the epidemic in 2020,the business situation of entity enterprises is even more difficult to be optimistic.we must strengthen various policies to support small and micro enterprises.Therefore,there are more practical requirements for the risk management ab ility and management level of small and micro enterprise loan business of commercial banks.This thesis takes the risk management of small and micro enterprise loan business of Yongzhou branch of Huarong Xiangjiang bank as the research object.Firstly,it introduces the division standards of small and micro enterprises and the relevant theories and research results of risk management,then analyzes the current situation of risk management of small and micro enterprise loan business of Yongzhou branch of Huarong Xiangjiang bank,and points out the problems existing in the four links of pre-loan investigation,loan review,post-loan management and non-performing loan disposal.Then from the four links of the loan,combined with the four steps of risk management,that is,the four links of pre-loan investigation,loan review,post-loan management and non-performing loan disposal,the optimization scheme of risk management of Yongzhou branch of Huarong Xiangjiang bank is formulated respectively from the four aspe cts of risk identification,risk measurement,risk monitoring and risk control.Finally,the smooth implementation of the optimization scheme is guaranteed from four aspects: corporate culture,human resources,internal supervision and audit and risk infor mation system.Starting from the purpose of theory guiding practice,this paper aims to improve the quality of financial services,risk management and business performance for Yongzhou branch of Huarong Xiangjiang bank.At the same time,the research conte nt and results of this thesis can inspire the loan risk management of Yongzhou local banks.