Research On Non-preforming Loans Of Small And Micro Enterprises In Q Branch Of ICBC

Small and micro enterprises are an indispensable and important part of China's economic and social development.The Q branch of ICBC adheres to the purpose of serving small and micro enterprises in the country and the provincial government,and has been committed to serving small and micro enterprises and vigorously developing credit for small and micro enterprises.business.However,there are many problems in the process of the vigorous development of small and micro enterprise credit business,especially in terms of non-performing loans,there are still many problems,and the non-performing rate remains high.The non-performing loan ratio of banks is an important indicator to measure the operating status of commercial banks.Therefore,in order to better prevent the occurrence of non-performing loans of small and micro enterprises in banks,and to ensure the safety of bank funds,it is important for the development of Q branches to study the non-performing loans of ICBC Q branches Practical significance.This article first reviews domestic and foreign research on non-performing loans for small and micro enterprises,and expounds the relevant theories of credit risk management.The Q branch of the Industrial and Commercial Bank where the author works is selected as the research object.Through the field survey method and statistical analysis method,the credit data of the small and micro enterprises of the Q branch is collected to find the characteristics of the non-performing loans of the small and micro enterprises of the Q branch and analyze the causes of non-performing loans.The study found that the most important reasons are internal problems of the bank,defects in the internal management structure of the bank,poor management before and after the loan,and the moral hazard of the credit staff,which have seriously affected the quality of the bank's credit assets.In addition,the external macro environment and the insufficiency of small and micro enterprises have also affected the generation of non-performing loans.Finally,this article puts forward a series of management and control measures from the aspects of attention to the external situation,bank management structure,pre-loan investigation,mid-loan review,post-loan approval,construction of compliance culture,prevention of moral hazard,and asymmetry of bank information.This article aims to improve the bank's credit control level,reduce the incidence of non-performing loans,effectively prevent risks,and help the bank's sustainable development.