Research On Risk Control Strategy For Inclusive Small And Micro Loan Business Of QD Rural Commercial Bank

In recent years,with the strong support of the government,small and micro enterprises have developed rapidly.As of last year,the total number of small and micro enterprises in the country exceeded 44 million,and the number of individual industrial and commercial households exceeded 95 million.They are an important support for the current economic and employment resilience in China.Since the outbreak of the COVID-19 pandemic,the current macroeconomic environment is complex,and the international political and economic situation is still uncertain,which has had a great impact on the survival and development of small and micro enterprises and individual industrial and commercial households.Premier Li Keqiang has repeatedly pointed out in relevant State Council work meetings that targeted investment and support should be further given to small and micro enterprises.As a commercial bank with a relatively high market share in the Qingdao area,QD Rural Commercial Bank has an obligation to respond to this call.In recent years,it has implemented a series of measures to serve the real economy and support small and micro enterprises,with the scale of inclusive small and micro enterprise loans developing rapidly year by year,and the number of borrowers and loan balances growing exponentially.At the same time,its own risk control for inclusive small and micro loans is under tremendous pressure.Therefore,focusing on improving the risk control level of inclusive small and micro enterprise loans is not only a management requirement for the long-term stable operation of the bank,but also an inevitable demand for the bank facing increasingly fierce competition in the industry.This thesis takes QD Rural Commercial Bank’s inclusive small and micro loan business as the object of study and analyses the current situation of risk control in the bank’s inclusive small and micro loan business in the pre-loan stage,in-loan stage,and post-loan stage through the literature method,brainstorming method and Questionnaire method.The study found that a series of problems existed in the risk control process at different stages of the business,such as incomplete types of big data required for risk identification,imperfect system construction,poor data quality and effectiveness,and overly centralized organizational structure,etc.The causes of these problems mainly lie in the bank’s lack of attention to the quality of data on inclusive small and micro loan,insufficient depth of data governance,insufficient breadth of data analysis application and insufficient data talents.These problems are mainly due to the bank’s lack of attention to data quality,insufficient depth of data governance,insufficient application of data analysis and insufficient data talents.Based on the above findings,this thesis proposes a series of risk control strategies and corresponding safeguards for the P&C microfinance business.Specifically,the thesis proposes to focus on the enterprise’s own business capability,expand the sources of the pre-loan risk identification data,strengthen the pre-loan operation process and collect and analyse differentiated customer data;for the pre-loan stage,it proposes to achieve intelligent approval of risk assessment,digital file management and digital risk monitoring;for the post-loan stage,it proposes to institutionalize post-loan management,strengthen post-loan supervision and evaluation,and early warning type post-loan audit and other measures.In addition,this thesis emphasizes the importance of using digital tools to improve the level of risk control.To this end,this thesis proposes measures such as using big data technology to analyse customers’ credit status,establishing an intelligent risk monitoring and early warning mechanism,and conducting customer behaviour analysis to improve the risk control level of QD Rural Commercial Bank’s inclusive small and micro loan business.