Research On Risk Prevention Of Small And Micro Enterprise Loan In M Branch Of CITIC Bank

In the process of national economic development,small and micro enterprises are an indispensable and important force,making extremely important contributions to taxation,employment,and economic development.Benefiting from China’s policy support for small and micro enterprises,there are currently more and more small and micro enterprises in China,and they are showing a good development trend.Currently,commercial banks are adjusting their product structure and development strategies to provide more powerful support for small and micro enterprises.However,at this stage,most small and micro enterprises are relatively small in business scale and have been established relatively late,It is difficult to comprehensively collect the credit information of these enterprises,often resulting in high credit risk,which leads to a significant increase in the credit business risk of commercial banks.Therefore,in the current development of small and micro enterprise credit business,the most crucial thing is to strengthen credit risk management,which puts forward higher requirements for the management level of commercial banks.This study analyzes and explores the current problems in the credit risk management of small and micro enterprises in CITIC Bank from three aspects:pre loan,during loan,and post loan,based on the case study of M branch behavior,and proposes corresponding improvement suggestions.This article first introduces the overall background of the research on credit risk management of small and micro enterprises,then expounds the significance of this article’s research on credit risk management of small and micro enterprises,and sorts out relevant theories and knowledge points.After introducing the knowledge about credit risk and small and micro enterprises,it introduces the credit risk management system and related products for small and micro enterprises based on the case,Focus on sorting out the risks and problems existing in the three stages of pre loan,during loan,and after loan,and explore the causes of the problems.Finally,based on the current actual situation of the branch in terms of credit for small and micro enterprises,especially considering the actual situation in this region,we propose corresponding improvement suggestions for the branch to strengthen credit risk management for small and micro enterprises.Through the research in this article,it is found that the current problems in the credit risk management of small and micro enterprises in China CITIC Bank Branch M are mainly:first,the growth rate of non performing loans is fast,second,the industry concentration of non performing loans is relatively high,and third,the current risk management mechanism is not perfect enough.In response to the above issues,this article comprehensively applies methods such as summary and example analysis to explore the current problems of this branch in terms of small and micro enterprise loans.Through analysis,it is understood that the main reason why this branch has the above problems is that the current risk management philosophy is inconsistent with the development strategy orientation,and there is no scientific credit mechanism established.At the same time,the existing credit control system is difficult to operate smoothly,and many personnel engaged in modern work do not have the corresponding professional knowledge.After that,this article comprehensively applies the fuzzy comprehensive evaluation method and the analytic hierarchy process to establish a corresponding risk identification indicator system,and analyzes the effectiveness of psychological risk management at different stages.It is found that the market positioning and consumption details of enterprises in the early stages of credit can have significant impacts.The credit cycle should monitor the flow of cash,and review the profitability and business processing capabilities of enterprises,At the later stage,it is necessary to focus on the investigation of enterprise risks.Finally,according to the causes of non-performing loans,from the pre-loan,loan,after the three stages,this paper formulated the corresponding optimization program:first,to optimize the pre-loan survey,improve the information collection system;The second is to strengthen the collection of external information;the third is to establish a full process control mechanism for the review of loans;The sixth is to establish the risk early-warning mechanism,the seventh is to strengthen the management of collateral,and the eighth is to optimize the supervision and management.