Study On Risk Management Of Small And Micro Credit In G Commercial Bank

Since the Notice of The State Council on Printing and Distributing the Development Plan for Inclusive Finance(2016-2020)was publicly released in 2015,inclusive finance has been listed as a key economic work in the past years.Small and micro enterprises are an indispensable part of China’s economic structure and one of the key service objects of inclusive finance.Developing financial services for small and micro enterprises is an important measure to improve the quality and efficiency of the national economy,relieve the pressure of employment and improve the living standard of residents from a strategic perspective.Based on the requirement of equal opportunity and the principle of commercial sustainability,it is of great strategic significance for commercial banks to solve the problem of difficult and expensive financing for small and micro enterprises at affordable costs.G Commercial Bank Due to its imperfect risk management system of small and micro credit,the bank has aggravated the problem of information asymmetry between banks and enterprises.For G Commercial bank,the default risk of small and micro enterprise loans is large,resulting in the development of the bank’s small and micro enterprise credit loan business is lower than the national average level.Based on the actual situation of small and micro credit risk management of G commercial Bank,this paper identifies the risk factors of its small and micro credit risk management,makes a quantitative risk assessment of each risk factor,and finally puts forward corresponding risk coping strategies and safeguard measures.First of all,this paper introduces the research background,analyzes the specific significance of the research,introduces the research ideas and main methods,and summarizes the main contents of the research.Then the relevant literature review and theoretical framework are summarized.This paper lays an important foundation for the research of this paper by sorting out and reviewing international and domestic theoretical literature on credit risk,information asymmetry theory,credit risk assessment tools and risk management of small and micro commercial banks.Secondly,this paper studies and analyzes the risk management status of small and micro credit in G commercial bank.Based on the design of the organization structure,management links and risk management system of the small and micro credit risk management of G commercial Bank,the fishbone diagram is used to clarify the risk factors and hierarchical relationship of the small and micro credit management through the analysis of the default cases of small and micro enterprises and the results of questionnaire survey and interview.The survey results show that the risk factors of G commercial bank in the management of small and micro credit include institutional factors,system factors,product factors and human factors.Then,the analytic hierarchy process and fuzzy comprehensive evaluation method are used to build the analytic hierarchy model.By comparing the factors at the same level to the corresponding risk weights,the membership levels of these risk factors are judged,and the weighted risk scores of each risk factor are finally obtained.Then,this paper formulated the risk response measures and risk monitoring process of G commercial bank’s small and micro credit management.According to the conclusion of risk assessment,corresponding risk coping strategies are formulated for risk factors with high weighted risk scores,including:Optimize the account manager management system,extend the"parallel operation" to the post-loan management link,optimize the small and micro credit assessment system to moderately exempt relevant personnel from responsibilities,innovate risk release measures,set the loan term matching the business cycle of small and micro enterprises,and strengthen the small and micro credit risk management personnel to perform their duties independently.In addition,put forward the corresponding system guarantee,manpower guarantee,financial technology guarantee measures.Finally,in the part of the analysis of the implementation effect,through the way of questionnaire survey and interview,the implementation effect of the risk coping strategy proposed in this paper is predicted and evaluated.And select G commercial bank operating institution as the pilot institution,the actual implementation of the above risk coping strategy.There are many researches on the risk management of small and micro credit at home and abroad.However,due to the great differences in the risk management process and operation mode of various commercial banks,the problems in risk management of each bank are also different.Based on the summary and analysis of important research results at home and abroad in the aspects of commercial bank credit risk and small and micro credit risk management,based on the actual situation of the credit risk of small and micro enterprises in G commercial bank,and from the four aspects of institutional factors,system factors,product factors and human factors,this paper detailed the risk factors of G commercial bank’s small and micro credit management.And it is evaluated quantitatively.On this basis,G commercial Bank can improve its own small and micro credit risk management system,and implement the risk coping strategies and safeguard measures proposed by the state to solve the financing problems of small and micro enterprises,which will play a practical reference role for G commercial bank to solve the management problems of small and micro enterprise credit industry in the future.