Research On The Improvement Plan Of Small And Micro Enterprise Risk Management In Baoshang Bank

In 2018,the domestic economic situation as a whole is still on the rise,but the banking industry is facing the problems of slowing economic growth,increasing downward pressure on the economy,the rapid rise of Internet finance,and increasing financial supervision.The risk management ability of commercial banks,which rely on the expansion of credit scale and high interest rate differential income,is becoming more and more tested.Contractor Bank is a commercial bank established in Baotou City,Inner Mongolia,for more than 20 years.It is a large local taxpayer and A-level credit taxpayer,but at this time it is facing the strengthening of state financial supervision and promoting the reform of the financial supply-side structure.The contractor bank needs to seize the opportunity to respond to the national policy from improving the bank’s financial services to small and micro enterprises,and vigorously develop the credit business of small and micro enterprises,at the same time,improve the risk management ability of the credit business of small and micro enterprises.In this paper,the risk management of small and micro enterprise credit business of contractor bank is studied,and the development of small and micro enterprise credit business of contractor bank is taken as the background.I will be in the contractor bank risk management post work experience and in Lanzhou University within two years to learn the risk management related theoretical knowledge,applied to the contractor bank small and micro enterprise credit business risk management research.Through combing the research theory of bank risk management at home and abroad,combined with many years of practical experience in the risk management of contractor banks,this paper analyzes the current situation of credit business risk management of small and micro enterprises of contractor banks.Combined with the overall development situation of small and micro enterprises in China,this paper summarizes the problems existing in the credit business of small and micro enterprises of contractor banks,such as high loan failure rate,lack of risk management talents and imperfect credit risk management and control system.The improvement scheme of credit business risk management of small and micro enterprises of contractor bank is put forward.Based on the customer financial data of the contractor bank,through the classification,qualitative and quantitative methods and the establishment of customer index model,that is to say,the customer credit rating method is improved and the quantitative measurement and evaluation system of credit business risk is established.This paper also evaluates the risk management scheme of the credit business of the contractor bank,puts forward the implementation guarantee measures,and expounds the creative ideas.There are many problems in the risk management of the credit loan business of the small and micro enterprises of the contractor bank.in order to solve the above problems,the paper puts forward the theoretical basis and puts forward more clear guidance in the practical process.This also provides a positive reference for other commercial banks in the credit business of small and micro enterprises risk management work.