Research On Risk Management Of Small And Micro Enterprise Credit Business Of Yanling Rural Commercial Bank

Under the background of new normal economic development,small and micro enterprises have become the key words of the new normal economy.Small and micro enterprises have played an important role in promoting regional economic growth,increasing regional output value,creating jobs and local taxes.However,corresponding to the rapid development of small and micro enterprises,the current financing needs of small and micro enterprises are very large.Because the credit business of small and micro enterprises has the characteristics of “short,small,urgent,frequent” and the weak competition of small and micro enterprises.At present,the immature credit management system of small and micro enterprises in China's commercial banks,the imperfect macroeconomic policies and the changes in the credit market have caused many difficulties for China's commercial banks in strengthening the management of small and micro enterprises' credit business.The increase of micro-enterprise bad credit balance and the continuous improvement of non-performing loan ratio are the key issues that restrict the sustainable development of China's commercial banks.This paper adopts the combination of qualitative analysis and quantitative analysis,based on the theoretical framework of comprehensive risk management “risk identification,risk assessment,risk control”,and innovatively enters the network fuzzy level assessment method into the small and micro enterprise credit business of Yanling Rural Commercial Bank.In the risk assessment,according to the risk assessment results of Yanling Rural Commercial Bank 's small and micro enterprise credit business and the ranking of risk factors,the targeted Yanling Rural Commercial Bank 's small and micro enterprise credit business risk prevention measures were constructed.The following conclusions were drawn: First,the network fuzzy level assessment method has strong adaptability in the risk assessment of small and micro enterprise credit business of Yanling Rural Commercial Bank,which can identify the risk points of commercial bank credit business and identify the inherent risks.source.It can be used as a model evaluation method for the risk assessment of small and micro enterprise credit business in commercial banks.Secondly,identify the risk of small and micro enterprise credit business of Yanling Rural Commercial Bank,and construct a risk evaluation model for small and micro enterprise credit business of commercial banks: Yanling Rural Commercial Bank's small and micro enterprise credit business risk(P)is the target layer in the analytic hierarchy process According to different sources of risk,the target layer is divided into macro risk source(P1),internal control risk source(P2),and small micro enterprise risk source(P3)as the criterion layer.Thirdly,the risk is evaluated by the expert survey method and the ANP-fuzzy evaluation method.The results show that the maximum risk score of Yanling Rural Commercial Bank micro-enterprise credit business is 0.157,and the corresponding risk level is “lower”.The risk of Yanling Rural Commercial Bank's small and micro enterprise credit business is at a “lower” level.The management of Yanling Rural Commercial Bank stated that “this kind of status is basically in line with the actual situation of risk management of small and micro enterprise credit business of Yanling Rural Commercial Bank” and affirmed the validity of the evaluation of the model.Fourth,according to the risk assessment results of small and micro enterprise credit business of Yanling Rural Commercial Bank and the single factor risk ranking.Construct a risk management strategy for small and micro enterprise credit business of Yanling Rural Commercial Bank.First,in strengthening internal control environmental risk management,improve the credit business risk process management mechanism,strengthen credit business risk monitoring management,and improve the risk prevention ability of small and micro credit personnel;second,strictly regulate small and micro enterprise access in credit risk management.Standards,build and clarify customer screening standards,improve credit guarantees and recovery mechanisms,and achieve post-lending management innovation design.Establish a big data risk management thinking in technology risk management,use big data to solve information asymmetry,and optimize and innovate the electronic crediting process.