Research On Risk Management Optimization Of Small And Micro Loans In N BRANCH Of NY Bank Based On Inclusive Finance

With the continuous advancement of the state’s policy of promoting inclusive finance,the development of inclusive finance has become the focus of the business work of commercial banks.With the large-scale spread of inclusive financial business,common problems such as nonstandard management system of small and micro enterprises and weak anti risk ability have gradually become prominent.In 2019,N Branch of NY Bank proposed an inclusive financial strategy.Since the implementation of the inclusive financial strategy in 2019,the loan to small and micro enterprises has increased by 25.43% year-on-year by 2021,and the non-performing rate has also increased by 20.12% year-on-year.Taking the risk management of small and micro enterprises of Bank N Branch of NY as the research object,by combing the research results on credit risk management and related research results of inclusive finance at home and abroad,and using risk management theory,according to the operating status of Bank N Branch of NY Bank,the main content of the bank’s current credit risk management system for small and micro enterprises,through on-site interviews and research on credit risk management personnel of small and micro enterprises,as well as the study of overdue risk cases of small and micro enterprises.The prominent problems in the development and risk management of inclusive small and micro enterprise credit business of Bank N Branch of NY were analyzed.In view of the problems existing in the credit risk management and control of N Branch of NY Bank in respect of weak innovation in business model in terms of product system,insufficient risk identification capacity in terms of business links,deficient internal operation and management in terms of organizational structure,and uneven level of credit personnel in terms of talent development,the specific solutions are given as follows: firstly,the comprehensive product application of optimization of risk management strategy tools,including risk avoidance,risk transformation,risk compensation,risk control and other strategies to optimize and innovate;secondly,standardization of risk identification process,which is required to link the whole process from the pre-loan investigation link to the final post-loan management in loan review;thirdly,strengthening the construction of the credit risk early warning and control system,including the application of information and data,improvement of the early warning mechanism and cooperation with relevant government agencies,optimize the internal control management of small and micro credit risks,strictly implement audit procedures,and strengthen the construction of internal control system;fourthly,strengthening the construction of talent teams,and improving the quality of credit personnel.