The Research And Optimization Of A Bank's Small And Micro Enterprise Credit Business Risk Management

Before granting credit to small and micro enterprises,banks will evaluate small and micro enterprises,study their social characteristics,analyze whether the reasons and purposes of lending are reasonable and compliant,and then,according to the internal laws,they will finally grant credit to small and micro enterprises.On the one hand,the bank should develop the capital base for small and micro enterprises,reduce the risk of lending,on the other hand,the bank also achieves the purpose of profit through the development of small and micro enterprises.The research content of this paper is to provide some suggestions for the credit risk of small and micro enterprises.Taking bank a as the research object,this paper analyzes the current situation and existing problems of the credit risk of small and micro enterprises,and finally gives the policy suggestions to improve the credit business risk.This paper is divided into five parts,the first part is the introduction,which summarizes the research background and significance of this paper,as well as the research status of small and micro enterprise credit at home and abroad;the second part is the credit risk theory;the third part is to analyze and summarize the status and risk of Bank A's small and micro enterprise credit;the fourth part is to analyze bank a's small and micro enterprise credit based on the results of the first two parts The fifth part is to analyze and summarize the non-performing loan cases in the small and micro credit business of bank a,and get some enlightenment of risk management optimization.Finally,according to the current situation of bank a,this paper puts forward some suggestions and measures to improve the risk,which are mainly reflected in six aspects:strengthening the pre loan review,improving the loan review system,improving the post loan management,establishing a comprehensive credit rating system,strengthening the management of credit personnel and risk management.