Research On Risk Management Of Credit Business Of Small And Micro Enterprises Of H Branch Of YC Bank

The credit support of banks to small and micro enterprises is an important link of national economic development.With the support of national policies,major banks have carried out the credit work of small and micro enterprises.However,due to the small production scale,operation scale and asset scale of small and micro enterprises,there are no fixed users and sufficient capital reserves,and their ability to resist risks is poor,which is prone to credit default.At present,although all commercial banks have credit risk control measures for small and micro enterprises,problems such as insufficient control and strong dependence on experience are still prominent.Therefore,it is an effective measure for commercial banks to explore how to control the credit business risks of small and micro enterprises,analyze the drawbacks in risk management,and optimize the risk management system.Firstly,this paper collates the research related to credit risk at home and abroad,and clarifies the theory of credit rationing and risk management and its impact on risk control.Secondly,it analyzed the relevant situation(such as scale,process,etc.)and current situation of H Branch of YC Bank,combined with the experience summarized from the practice of small and micro credit business of the Branch,and found out the relevant problems of credit risk management of small and medium-sized micro enterprises in the Branch.Thirdly,the credit risk evaluation model is constructed with factor analysis method,and the weight of each index is calculated with analytic hierarchy process to obtain the credit risk evaluation model of small and micro enterprises,laying the foundation for the branch to control the credit risk of small and micro enterprises.At the same time,in this process,X Company is taken as the case to be analyzed.Finally,based on the credit risk control model,it is proposed to solve the problem of credit business risk of small and micro enterprises in H Branch of YC Bank by improving the quality of employees,building a scientific model,completing the whole process and strengthening risk management.