Research On Credit Risk Prevention And Control Of Small And Micro Enterprises In J Sub-branch

Small and micro enterprises have a long history of "financing difficulties" and"funding expensive",and they are a difficult problem in the world.However,small and micro enterprises are of great significance to China’s economic growth,full employment and social stability.Since the beginning of this year,the Party Central Committee and the State Council’s willingness to support the development of small and micro enterprises has been umprecedentedly strong.The introduction of policy density and support has continued to increase.The reduction of standards and tax cuts have been used in combination At this climax,the financial supervision of small and micro enterprises has become different.Credit incentives have reached unprecedented levels.Under the new policy guidance and business environment,commercial banks can improve the financial service level of small and micro enterprises,not only can effectively deal with the challenges of financial disintermediation and interest rate marketization,but also support the construction of a comprehensive well-off society and solve the main contradictions of C hina’s socialism in the new era.In this paper,we first clarify the importance of small and micro enterprises in the development of national economy.However,the development of small and micro enterprises cannot be separated from a large amount of financial support.Therefore,it is a natural choice for the research on the prevention and control of credit risk of small and micro enterprises.On the basis of reading a large number of relevant domestic and foreign literatures,this paper summarizes the research results of credit risk prevention and control of small and micro enterprises at home and abroad,including the risk prevention and control of commercial banks and the characteristics of small and micro enterprises and their financing.Difficulties,forming a comprehensive and detailed understanding.Based on the J-behavior research object the evaluation of the status quo of credit risk prevention and control of small and micro enterprises will forma research report.In the research and analysis of the credit risk prevention and control of small and micro enterprises in J branch,the key credit products are mainly introduced,because each credit product is designed for different customer objects and has different product access conditions.The threshold for entry into the credit business of small and micro enterprises has been set,and the initial identification of risks has been carried out.Through the analysis of the pre-lending investigation measures specifically adopted by the account managers of the bank,the overall goal,management structure,measures taken,and evaluation methods of the credit risk prevention and control of small and micro enterprises are re viewed,and the small and micro enterprises of J branch are reviewed in four aspects.The status quo of credit risk prevention and control.Further analysis,the problems existing in the current risk prevention and control measures,and a deeper analysis of the causes of the problems.In this regard,I hope that through the research,I can propose optimization suggestions and fluture prospeets for the prevention and control of credit risk of small and micro enterprises.The main conclusions of this paper are as follows:(1)The main problems of the credit risk prevention and control of small and micro enterprises in J branch are:the current credit risk model does not match the credit characteristics of small and micro enterprises,and the entry threshold of small and micro enterprise credit products is too high,customers The pre-lending investigation of the manager is in the form,the data acquisition ability of small and micro enterprises is insufficient,the external data channel is not smooth,the economic cost is high,the overall risk control is overly concerned,and the business development is restricted.(2)The credit of small and micro enterprises The nain reasons for the risk prevention and control problems are:the lack of scientific credit risk identification model for small and micro enterprises,the uneven quality of credit officers,the lack of credit management team for small and micro enterprises in the exhibition industry,the rapid expansion of business development scale,the compliance of credit officers and the increased moral hazard.Unabte to break the data barrfier,realize the difficulty of scale economy,and the types of credit risk of small and micro enterprises are concealed.They only pay attention to several key risks,strict credit policies,lack of incentives,and low enthusiasm for business development.(3)J branches should be formulated from science.Credit strategy,adapt to local conditio ns,custo nuze special operations,improve professional quality,establish Teams,eliminate blindly amplifying credit rationing,adhere to system and development,break data barriers,strengthen platform construction,achieve "exact portraits",and re-recognize risks,take comprehensive financial services as a starting point,make characteristics,implement incentive mechanisms,and risk Prevention and control ensure flexible,pragmatic and other aspects to improve the status quo of credit risk prevention and control of small and micro enterprises.Although this article is beneficial to the prevention and control of credit risk identification of small and micro enterprises in commercial banks,the research also has certain reference value.