Research On Credit Operation Risk Control Of Small And Micro Enterprises In JN Branch Of M Bank

Small and micro businesses occupy an important position in the national economic system,to support the healthy development of small and micro enterprises is imperative.In recent years,regulators issued a number of policies to ensure that banks and other financial institutions to develop small and micro business financial services,commercial banks therefore complied with regulatory policies and consider the serve of small and micro businesses as well as develop financial products for small and micro businesses as opportunities for business transformation.Under this background,small micro business loans increased rapidly,M bank JN branch has generated good reputation in the market and the banking industry due to their small and micro business finance strategy,and become the earlier beneficiary.However,the existence of high risk within small and micro businesses and the difficulties to conduct effective pre-loan investigation lead to operational as well as other risks gradually exposed,and induce the actual credit losses as a result,which negatively influenced the M bank JN branch's attempts to develop small and micro business finance continuously.Therefore,academic research and practice of operational risk control for small and micro businesses has become an inevitable choice for M bank JN branch to control the overall risk of small and micro business loans and ensure future development of small and micro business finance.Based on the concepts of small and micro business loan,credit risk and operational risk control,combined with domestic commercial banks' risk control experiences,this paper analyzes the significance of operational risk control to the healthy development of small and micro businesses finance.Through investigation and research,this paper comprehensively examine the development status and risk control situation of small and micro business finance of M bank JN branch,and draw the conclusion that operational risk is the primary risk to influence the development of small and micro business finance.As well as summarize the operational risk control measures and methods,analyzes the various problems and causes of the problem.Use effectively improve the control effect,optimization control method as the basic starting point,provide various suggestions such as “credit access mode improvement”,“customer investigation method improvement”,“review and approval mode improvement”,“face to face" lending operations improvement”,“debt collection management improvement”.In order to ensure the effective implementation of the optimization plan,this paper also arise a number of safeguard measures,such as enhancing risk culture formulation,enhancing risk team building and strengthening process system construction.Through the study of M bank JN branch's operational risk control process of small and micro businesses loan,this paper summarizes and analyzes the common problems existing in the operational risk control,and provides solutions and protection methods,it contributes significantly for further healthy development of M bank JN branch's small and micro business finance.At the same time,some of the research conclusions also apply to risk control of small and micro business finance for other commercial banks.It also provides academic value for credit risk mitigation and risk control problem solving.