J Bank H Branch Micro-Enterprise Credit Risk Management Countermeasure Research

Since the spread of COVID-19,small and medium-sized enterprises,namely small and micro enterprises,have encountered serious development difficulties.Smes play an important role in the development of the national economy and are an important part of many links of the industrial chain.Due to the impact of COVID-19,the closure of small and micro enterprises,capital chain rupture,brain drain,domestic and foreign orders and other factors have hit the development of small and micro enterprises in China.To this end,China issued the "Notice on Increasing the Support of Credit Loans for Small and Micro Enterprises" and other preferential conditions to support the development of small,medium and micro enterprises.The notice emphasizes that China’s commercial banks and other financial institutions should expand their credit loan product system,and ensure that the amount of inclusive loans in credit loans will increase significantly in 2020.Small and micro enterprises’ demand for credit funds is characterized by "short,small and urgent",and it is sensitive to interest rates and difficult to provide effective collateral.In addition,small and micro enterprises have the characteristics of high volatility and poor anti-risk ability,which makes banks feel uneasy when lending to this group.H Branch of J Bank actively responded to the call of the country and the head office and put forward the inclusive finance strategy in 2019 to vigorously develop credit loans for small and micro enterprises within the bank.In 2021,loans for small and micro enterprises increased by 46.58% year-on-year,but the non-performing rate also increased by 30.7% year-on-year.Therefore,credit risk management of small and micro enterprises is particularly important.This paper takes small and micro enterprises of H Branch of J Bank as the research object.By combining the domestic and foreign about the bank credit risk management and research results,based on the questionnaire analysis and case study method,through the bank of the reasonable design questionnaire for J,H 116 credit hillock and the credit of the staff,for small micro enterprise credit risk management research,through the information asymmetry theory,the "long tail" theory,enterprise life cycle,such as theoretical basis,Combined with the questionnaire survey and the actual cases of overdue risk of small and micro enterprises,the problems existing in the credit risk control of H Branch of J Bank are analyzed.The problems existing in the risk identification link mainly include inadequate pre-loan due diligence and imperfect small and micro credit risk evaluation mechanism.The main problems in risk assessment are weak identification ability of false information and imperfect credit rating system.The main problems in the risk control link are the imperfect risk warning mechanism,unreasonable staff allocation,and the quality of credit personnel to be improved.This paper proposes three specific measures to solve the problem.Measures for risk identification include strengthening pre-loan due diligence and attaching importance to the repayment ability of business owners.Risk assessment measures have attached importance to the evaluation model,improve the credit rating system;Risk control measures include perfecting risk warning mechanism,optimizing credit process and performance assessment mechanism,and improving the quality of credit personnel.