Research On Risk Management Of YC Bank's Credit Business For Small And Micro Enterprises

Since the reform and opening up,with the vigorous development of all walks of life,many enterprises have continued to develop from small and micro,reaching the scale of state-owned enterprises or large enterprises.According to General Secretary Xi Jinping's guiding ideology for building a well-off society in an all-round way,the national level also realized that in order to achieve common prosperity,the development of small and micro enterprises is a path that can be taken and is also an inevitable path.With the development and growth of small and micro enterprises,all walks of life are booming.However,the problems of small and micro enterprises' unstable operation and unclear financial information have led to the unsmooth financing channels for small and micro enterprises in the process of business development,which has caused great obstacles to the development of small and micro enterprises.Therefore,the state issued a “two increase and two control” regulatory indicators for commercial banks,requiring commercial banks to support the development of local small and micro enterprises.Under the dual test of risk and policy,how commercial banks can take care of risks while carrying out small and micro enterprise credit business is the focus of all commercial banks.This paper takes YC Bank as an example to analyze the development mode and risk management status of YC Bank's small and micro enterprise credit business.From the perspectives of pre-lending,post-lending and institution-building,it is concluded that YC Bank has a rapid business growth rate in the credit risk management of small and micro enterprises,high interest rates are generally high,products are too radical,and there is a lack of credit risk measurement system and risk for small and micro enterprises.Issues such as early warning mechanisms.In order to further promote the long-term development of YC Bank's small and micro enterprise credit business,this paper proposes from strengthening the YC Bank's small and micro enterprise credit department's own construction,establishing a sound talent team,providing quality products and services,and improving risk asset disposal capabilities.Suggestions.