Research On The Risk Management And Control Of Small-Micro Enterprise Credit In JHLN Branch

A large number of small and micro enterprises,involving a wide range,is to enhance the ability of technological innovation,expand the level of social employment,and promote economic growth and achieve a harmonious social development of an important force.However,due to the small and micro enterprises have low risk of market risk,short survival time,low credit level,small loan amount and other objective conditions,in particular,the special needs of enterprise financing,short,frequency,leading to large commercial banks in the small and micro enterprise credit business,many problems exist in the small and micro enterprises credit risk,market risk and operational risk.Under the premise of the Chinese financial industry is faced with the monopoly of monopoly,peer competition intensifies,foreign investment into the multiple challenges,how to properly solve the problem of small and micro enterprise credit financing and risk management,has become one of the important issues to be solved by major commercial banks.According to the research methods of "problem solving problem solving",this paper takes the research methods of quantitative analysis and qualitative analysis,the paper studies the risk management of small and micro enterprises in JHLN branch,from the perspective of JHLN branch,which is based on the protocol,which is based on the Basel protocol to identify the risk sources in small and micro credit business.Namely,the situation analysis,customer rating model,asset portfolio,the product plan,the early warning and the comprehensive relationship of the product plan,early warning and loan soft recovery,credit recovery,hard recovery and other business processes and nodes are small and micro enterprise credit risk management and control points and key links.In risk identification and measurement,in the "five one" risk system framework,for small and micro credit risk prevention and control focus on the direction of the proposed JHLN branch of small and micro credit risk control strategy.First,we construct the"five one" small and micro credit risk management framework,a clear system of credit risk of guiding principle,control mode,risk management process and risk coping strategies.Then,according to the JHLN branch of small and micro credit risk control focus,from how to strengthen the small and micro enterprise credit business process,the small and micro credit approval process,strengthen the risk control of small and micro enterprises,the establishment of asset portfolio management mechanism and other aspects of the specific risk management strategies and measures.