QL Bank BZ Branch Small And Micro Enterprise LoanRisk Management Research

The prosperity of MSMEs is of great value to national tax revenue,employment stability,market prosperity and technological innovation,etc.Therefore,the state has repeatedly emphasized and promoted the development of MSMEs at the policy level,and made great efforts to solve the financing difficulties of MSMEs,and creatively put forward the inclusive finance program,fully recognizing the social cornerstone role of MSMEs,whether for the state,MSME owners or commercial banks.It is of great significance.However,in recent years,with the economic downturn and the impact of the epidemic and other objective factors have led to a gradual increase in credit risk for micro and small enterprises.To cope with this situation,the government has asked financial institutions to take the responsibility of lending to MSMEs,but the problem of difficult and expensive financing for MSMEs has not been greatly improved due to their own defects such as financial irregularities and poor risk resistance.In addition,due to institutional constraints,commercial banks have not been able to find a robust control mechanism for credit risk of micro and small enterprises,and are unable to form a "dare to lend,willing to lend" pattern.Therefore,it is important to conduct a study on the risk control of micro and small enterprises credit business to solve the contradiction between micro and small enterprises loan placement and risk control of financial institutions.This paper adopts a practical and theoretical approach,combining the theory of information asymmetry,the law of large numbers and the theory of enterprise growth cycle,and introduces the credit business products and credit rating system provided by BZ branch for micro and small enterprises.Although the branch has been promoting and improving the credit risk management process for micro and small enterprises,it still cannot completely solve the problems,such as complex approval process,large loopholes in credit granting mechanism,and formal post-loan management,which restrict the effective control of credit risk for micro and small enterprises in BZ branch.This paper also provides a deep analysis of a series of improvement programs implemented by the branch in risk management.This paper will systematically analyze the current situation of micro and small enterprise risk management,the problems of micro and small enterprise risk management and the optimization measures of micro and small enterprise risk management,and explain the causes of micro and small enterprise credit risks from the bank’s perspective in the three stages of pre-lending,lending and post-lending,and propose feasible countermeasures.The strategy is to control the credit risk of micro and small enterprises and better support the real enterprises in BZ Branch,and also to provide some experience for other commercial banks to learn from.