Research On Risk Assessment And Control Of Small And Micro Enterprise Loan Business Of Agricultural Bank Of China Hami Branch

In recent years,the COVID-19 pandemic has had a significant impact on the financial system,leading to ruptures in the capital chain and difficulty in financing.As a result,many real estate developers and small and micro enterprises in the catering and tourism industries have been forced to shut down,creating a crisis in the real economy that is deeply bound to commercial bank loans.This,in turn,is likely to impact financial institutions such as commercial banks,increasing their non-performing loan rates and deteriorating their balance sheet situation.Such events can threaten the stability of the financial system,leading to difficulties in deposit withdrawals for depositors in some urban commercial banks.At the same time,various risk factors and uncertain factors in the financial system have also shown a trend of rapid accumulation and centralized exposure.In response to these challenges,China has set a goal of "firmly holding the bottom line of systemic financial risk" and has implemented measures to prevent and resolve systemic financial risks.To this end,the People’s Bank of China issued the Guidelines for Macroprudential Policy(Trial Implementation)on December 31,2021,which clarifies the objective of macro-prudential policy,namely,to prevent systemic financial risks,in particular,to prevent the pro-cyclical accumulation of systemic financial risks and crossinstitutional and cross-industry infection.This thesis focuses on the risk evaluation and control measures of small and micro enterprise loan business of Agricultural Bank of China Hami Branch.Using the theory of information asymmetry and loan risk management,this thesis identifies risk influencing factors of the six dimensions of the Agricultural Bank of China Hami Branch.Based on the characteristics of small and micro enterprises and the regional economic situation,a risk evaluation system is developed using a combination of qualitative and quantitative methods.The system includes 25 evaluation factors,with financial indicators based on the reference standards of authoritative institutions,focusing on the enterprise’s operating capacity and future development potential.The constructed risk evaluation index system is tested on small and micro enterprise customers of the Agricultural Bank of China Hami Branch.The results suggest that a specialized evaluation system for small and micro enterprises is needed,considering their unique characteristics and the regional economic situation.The thesis proposes corresponding countermeasures and suggestions from six risk dimensions,providing new ideas for the Agricultural Bank of China Hami Branch to continue to strengthen the development of small and micro enterprise loan business while improving their risk evaluation and control measures.