Research On Risk Management Of N Bank W Branch’s Small And Micro Enterprise Credit Business

Small and micro enterprises play an indispensable role in China’s economic development.They are widely distributed in various regions and industries without geographical restrictions.Although the scale is small,the number is huge.With the gradual increase of the number of small and micro enterprises,it has occupied more than 90%of the number of entity operated enterprises.However,compared with the contribution of small and micro enterprises in China’s economic development,the difficulty of obtaining financing is quite different from that of large and medium-sized enterprises,which is prominently reflected in the difficulty of financing,single financing channel and high threshold.Therefore,the plight of "difficult financing,expensive financing and financing insurance" of small and micro enterprises has seriously restricted the development of small and micro enterprises.In view of this,the state strongly supports small and micro enterprises in policy and guides the financial industry to increase its support for the credit business of small and micro enterprises.As a local municipal branch,w branch of N commercial bank always adheres to the market positioning of "serving small and medium-sized enterprises and urban and rural residents",concentrating credit resources on small and micro enterprises to support the development of regional small and micro enterprises.The growth of credit business of small and micro enterprises can bring broader profit growth points to commercial banks,broaden bank credit customer groups,disperse credit risks and effectively promote the transformation of commercial banks.At the same time,small and micro enterprises will also have more and more development space,which is conducive to the sustainable and healthy development of small and micro enterprises.However,with the expansion of credit scale of small and micro enterprises,more and more credit risks have been exposed.How to steadily develop small and micro enterprise credit business and strengthen the risk management of small and micro enterprise credit business has become an important problem to be solved by W branch of N commercial bank.By collecting and sorting out the research results and relevant theories of risk management at home and abroad,this paper introduces the development of small and micro enterprise credit business with the research object of W branch of N commercial bank,summarizes the current situation of risk management of this kind of business,and deeply analyzes the problems and causes existing in the risk management of small and micro enterprise credit business of W branch of N commercial bank in combination with practical cases.Finally,from perfecting the risk management system,perfecting the risk management process This paper puts forward countermeasures and suggestions on the risk management of small and micro enterprise credit business of W branch of N commercial bank from the aspects of strengthening the construction of credit team,improving the supervision and restraint mechanism and promoting the construction of information technology.Through the above research,this paper believes that local urban commercial banks such as w branch of N commercial bank should comprehensively improve the risk management ability and level of credit business of small and micro enterprises,prevent the occurrence of credit business risks of small and micro enterprises from many aspects,effectively reduce the bank non-performing loan risk,promote the sustainable development of credit business of small and micro enterprises,effectively support the development of small and micro enterprises,and jointly promote the development of national real economy.