Research On Credit Operation Risk Control Of Small And Micro Enterprises In YC Branch Of CCB

In the entire national economy,small and micro enterprises are an important part of it,so ensuring that small and micro enterprises can continue to develop rapidly and become the focus of their work.At this stage,in order to help financial institutions to carry out microfinance business smoothly,government departments have developed A series of policy measures.In this way,it provides strong credit support,and financial institutions such as banks have opened up a new profit path,which provides small and micro financial services for enterprises.The micro-credit business has developed rapidly under such a large environment.The YC branch of Construction Bank,as a financial institution that started small micro-credit business earlier,has established a good image in the same industry after a period of development.A certain amount of income has been achieved,but small and micro enterprises have some shortcomings.Their own operational processes lack certain norms.It is difficult to review small and micro loans,and operational risks gradually emerge with the continuous expansion of business,eventually leading to As a result of credit losses,these factors are all that Construction Bank YC Branch should pay great attention to in the process of developing small micro credit business.Therefore,in order to continue to develop small micro-credit business,Construction Bank YC Branch should strictly control and manage the operational risks that may arise in the process of launching micro-credit business.This paper analyzes the concept of small micro credit and credit risk,and draws on the successful experience of small and micro credit risk control.Finally,it is concluded that the operation risk control should be strengthened in the process of developing small micro credit business.This paper analyzes the actual situation of Construction bank YC branch to carry out small micro-credit business and its risk control work.The research shows that the main factor affecting small and micro business is operational risk.Then,a series of corresponding countermeasures are formulated for controlling and managing operational risks.At the same time,the causes of risk factors are identified,and risk control is implemented more effectively.This paper is devoted to analyzing the operational risk control work carried out by Construction Bank YC Branch in the process of providing micro-financial services.Through research,it finds out the inadequacies of operational risk control,and at the same time,formulates corresponding countermeasures for these problems,which will be effective.To ensure that Construction Bank YC can smoothly carry out small micro credit business.The research results of this paper also play a certain reference role for the micro-credit business of other financial institutions,and at the same time help them to control the credit risk.