Research On The Design Of The Risk Prevention And Control System For The Small And Micro Credit Business Of Guangdong Nanhai A Bank

In the process of diversified economic development of society,small and micro enterprises have made outstanding contributions to promoting economic development,but the funding bottleneck of small and micro enterprises is more significant,and there will often be funding problems in production and operation activities.Large state-owned banks are more inclined to cooperate with large and medium-sized enterprises.Small and micro enterprises are often rejected by large state-owned banks.Local small and medium-sized commercial banks can provide low-cost,efficient and convenient financial services for local micro-credit needs.Under the background of the transformation and upgrading of China's credit structure,Guangdong Nanhai Bank A regards micro-credit business as its business focus,relying on providing credit services for small and micro enterprises,and obtaining new profit channels for banks.However,the lack of standardized financial management mechanism and internal control mechanism for small and micro enterprises,coupled with its low market competitiveness and low level of production technology,has led to the obvious credit risk faced by Guangdong Nanhai Bank A when it provides credit services to small and micro enterprises.This paper summarizes and sorts out the theories related to credit services and credit risk,and discusses the current situation of credit risk management of small and micro enterprises in Guangdong Nanhai Bank A,with a view to promoting the stable and sustainable development of Bank A in Nanhai.First of all,this paper investigates a series of risk management measures taken by Nanhai Bank A when conducting small and micro credit business through various ways,and discusses the problems and causes of these measures.For example,the bank currently lacks a sound credit structure,evaluation and evaluation mechanism,internal control system,and implementation system of various systems.This leads to the lack of management capacity and credit management capabilities of banks,and employees lack awareness of risk prevention when conducting credit business.Secondly,based on the results of field research and face-to-face interviews,this paper proposes countermeasures to effectively solve the problem of credit risk management of small and micro enterprises in Nanhai Bank A from three levels.This includes comprehensively optimizing the quality and structure of credit assets of banks;and building a sound credit management system,credit file management system,rating credit management system,and credit implicit risk management to effectively improve the bank's credit management capabilities and credit risk management capabilities.Finally,according to the current operation status of Bank A of Nanhai,it is proposed to help Nanhai A Bank strengthen the risk management and control of small and micro businesses by constructing a sound credit business internal control system,a whole process management system and a modern risk monitoring system.Through field research and face-to-face interviews,this paper discusses the problems existing in A series of risk management and control mechanisms adopted by Bank A when it conducts small and micro businesses.After summarizing the research results of reference value put forward by domestic and foreign scholars,this paper proposes a solution to the problem in a targeted manner,hoping to pave the way for A Bank to carry out micro-credit business and improve its profit level.The research results presented in this paper provide reference for other financial institutions in China to effectively control credit risk,break the worries of financial institutions in China to provide credit services for small and micro enterprises,and effectively solve the financing problems of small and micro enterprises,and ensure that small and micro enterprises will be in the future.The development will not be blocked by funding problems.