Research On Credit Risk Management Of Small And Micro Enterprises In QD Branch Of JS Bank

Through research,it was found that in the process of economic development in Qingdao,especially under the multiple pressures of demand contraction and the impact of the epidemic,small and medium-sized enterprises have become the main force of economic development in Qingdao.According to relevant data statistics,the channels for small and medium-sized enterprises to obtain funds are relatively single,and bank loans are still the main way for them to obtain funds.With the support of relevant national policies,the banking department has set up a dedicated business window responsible for a series of tasks such as loan application and evaluation for small and medium-sized enterprises,and set up a loan evaluation department to determine whether loans can be granted to them through pre loan risk assessment.However,in practical operation,there are still many problems,such as the lack of scientific methods for bank risk assessment,the relatively single evaluation indicators,and the lack of risk management measures.These issues have led to certain deficiencies in the credit risk management of small and micro enterprises by banks,which may increase the probability of credit risk occurrence.This article takes the credit risk management of small and micro enterprises in the QD branch of JS Bank as the research object,and is based on relevant theories such as credit risk management theory and information asymmetry theory.Firstly,a detailed analysis is conducted on the current situation of the credit business in the QD branch of JS Bank.Based on the analysis of the current situation of credit business,the article identifies and filters the credit risk factors of small and micro enterprises in the QD branch,including operational risks Credit risk,market risk,and compliance risk,etc;Secondly,the entropy weight method and grey correlation analysis method were applied to establish a credit risk assessment model to comprehensively evaluate the credit risk status of small and micro enterprises in QD Branch,determine the ranking of credit risk size,and clarify the main key core risk factors;Finally,based on the clear main core risk factors,propose strategies and safeguard measures for QD Branch’s small and micro enterprise credit risks.In the research process,this article strives to combine theoretical research with empirical research.The research results of this paper have certain reference significance for the credit risk management of small and micro enterprises in the later stage of JS Bank QD Branch,and can guide the handling of credit business for small and micro enterprises.At the same time,it also provides useful reference and guidance for the development of credit business for other small and micro enterprises.