Research On The Loan Risk Prevention And Control System For Small And Micro Enterprises Of BS Bank

In recent years,the economic downturn has led to the continuous increase of operating costs of small and micro enterprises,the reduction of product prices,and the compression of corporate profits,making many small and micro enterprises into operating difficulties,which in turn leads to a sudden increase in chain risks and potential credit risks.At the same time,the rapid rise of e-commerce has made the financial department of small and micro-sized enterprises,which used to rely on the real economy as the main source of customers,lose many potential customers.The increase of enterprise credit risk and the decrease of loan balance make the non-performing loan rate of small and micro-sized enterprises increase year by year.In this context,on the one hand,Banks should innovate products,expand business,actively develop Internet finance,and increase the size of loans.On th e other hand,more attention should be paid to the pre-vention and control of loan risks.On the basis of qualitative analysis,the risk measurement model should be introduced to optimize the existing risk prevention and control system,control the non-performing loan ratio within a reasonable range,and improve the profitability of enterprises.By reading a large number of literatures,the author made an in-depth study on the current situation and development prospect of loan risk prevention and control for small and micro enterprises,summarized the main viewpoints of dom estic and foreign scholars on credit risk,operational risk and liquidity risk of small and micro enterprise loan,and mastered the relevant theories of small and micro enterprise loan and risk related theories.Using the data mastered and combining with the author's working experience in BS bank,this paper made an overall introduction to BS bank,analyzed the status quo and loan process of small and micro enterprise loans of BS bank,and elaborated the risk prevention and control status quo of BS bank from three perspectives of operational risk,credit risk and liquidity risk.Then according to the BS bank small micro enterprise loan development present situation and the existing problems,the use of personal credit integrated grading standard for credit risk identification and evaluation,credit decision model is adopted to carry out the establishment of risk models,as well as the operation risk and liquidity risk identification and assessment are given optimization measures,on the basis of qualitative analysis combined with quantitative analysis to the BS bank small micro enterprise loan risk prevention and control system has been optimized,and the BS bank process deficiency of the existing system improvement Suggestions are put forward.In this article,through comprehensive analysis of the BS bank small micro enterprise loans,in view of the existing problems from the credit risk,operation risk and liquidity risk are to optim ize BS bank risk prevention and control system,on the one hand can make the BS bank in the daily management more scientific and reasonable prevention and control in the process of loan risk,on the other hand also for the domestic businesses of the same type city small micro enterprise loan business risk m anagement provide certain reference and has practical significance.