Research On Loan Risk Management Of Small And Micro Enterprises In Z Bank

The role of small and micro enterprises in the economic and social development of our country is very important and has become an in dispensable part of development.Commercial banks have gradually realized the potential value of the small and micro enterprise customer groups and the huge commercial profit space in the future.Under the dual influence of internal economic profits and external competitive pressures,they have begun to apply for small and micro enterprise loans in order to seek more space for development.As a development priority,efforts will be made to increase its development speed.However,due to some problems in the risk management of commercial banks,the risks of the loan business of small and micro enterprises are prominent,and the quality of loans is declining.This has affected the stable and rapid development of the loan business of small and micro enterprises to a certain extent.Therefore,the in-depth analysis and research on the problems in the risk management of commercial banks' small and micro enterprise loan business will make the risk management more scientific and efficient,and it will be of great significance to the future business development of commercial banks.Z Bank is the fastest growing urban commercial bank in Henan Province and the only city commercial bank listed in Hong Kong.It has been adhering to the development concept of diversification of small and micro enterprise loan business for many years.The business achieved excellent results.While promoting the healthy development of small and micro enterprise loan business,it also enhanced its reputation in the banking sector.Taking Z Bank's risk management of small and micro enterprise loans as a research topic,adopting literature research,case analysis,comparative analysis,field research,qualitative analysis,and quantitative analysis methods,and summarizing domestic and international research on the theory of risk management of small and micro enterprise loans.Starting from the development of Z Bank and its small and micro enterprise loan business,through analysis of the data and development status of the loan management of small and micro enterprises,the distribution of loan structure in the risk management of small and micro enterprises is irrational and the design of loan products is incomplete.The in-depth analysis was conducted on issues such as the lack of scientific and complete internal credit evaluation system,the need to raise the level of risk warning,the imperfect assessment mechanism,and the rigorous operation procedures.At the same time,in light of the actual operation,it is proposed that the distribution of loans should be scientifically and rationally and reasonably innovated in small and micro enterprise financial products,establish a scientific and complete internal credit rating system for small and micro enterprises,improve the ability of small and micro enterprises to provide early warning of loan risks,and improve the performance assessment system for business personnel.Business operations,risk management and other optimization programs and safeguards.By analyzing the problems existing in the risk management of Z-banking micro-enterprise loans,this paper proposes reasonable suggestions for improving the risk management of small and micro enterprise loan business.The purpose is to help Z bank solve the problems in the risk management of small and micro enterprises and promote Z Bank The micro-enterprise loan business developed steadily and smoothly.At the same time,it provides a useful reference for banks and other financial institutions to better develop loans for small and micro enterprises.