Research On The Risk Management Of Small And Micro Credit In Bank H

With the deepening of reform and opening up,China's economic development speed is also accelerating.Small and micro enterprises have become a driving force that can not be ignored in China's economic development,and have made outstanding contributions to China's economic development and the solution of urban problems.Due to the weak foundation,uneven level of managers,weak market competitiveness,unreasonable allocation of human resources and inadequate financial support,these problems affect the development of small and micro enterprises.In particular,the problem of "difficult and expensive financing" of small and micro enterprises seriously limits their development level.Since 2011,the state has issued a series of supporting policies to realize the healthy and sustainable development of small and micro enterprises.Therefore,China's small and micro credit financing business has become the growth point of business development of various commercial banks.However,with the increase of credit business of commercial banks,the credit risk problem is increasingly prominent.The poor management of small and micro credit risk will restrict the development of small and micro credit business and the growth of small and micro enterprises.Scientific and feasible management of small and micro credit risk is an urgent task for the development of small and micro enterprises and the development of small and micro enterprise credit business by commercial banks.In order to better summarize the current experience of small and micro credit business in China's commercial banks,and focus on the research of small and micro credit risk management,this paper focuses on Bank H's development of small and micro credit business and its accumulated experience in small and micro enterprise credit risk management,and analyzes the existing problems in small and micro credit risk management of Bank H,such as The proportion of mortgage and pledge guarantee loan is too large,the early warning mechanism of credit risk is not perfect,the construction of electronic system lags behind,and the innovation ability of credit products is weak.This paper analyzes and believes that these problems are mainly caused by the policy environment,the characteristics of small and micro enterprises,the defects in credit risk management of Bank H,and the lack of working ability of relevant personnel of the bank.Finally,aiming at the problems existing in small and micro credit risk management of Bank H,this paper puts forward several improvement measures of small and micro credit risk management of Bank H: strengthening risk control in the whole process of loan,establishing a perfect credit rating system for small and micro enterprises,improving professional risk management skills,innovating small and micro credit products,strengthening the construction of bank information system and using big data and machine learning And other new technologies start to establish big data risk control system.We hope that h bank can find and avoid risks in time from these measures,so that h bank can better realize small and micro credit risk management,on the one hand,promote the healthy and rapid development of H bank,on the other hand,help small and micro enterprises to quickly and accurately finance.