Study On Risk Management Optimization Of Credit Business Of Small And Micro Enterprises In D Branch Of ICBC

Under the current downward pressure of the economy,the accelerating process of industrial restructuring and supply-side structural reform,as well as the impact of the COVID-19 pandemic that has lasted for three years,the production and operation pressure of small and micro enterprises has multiplied.Many small and micro enterprises have encountered problems such as decreasing orders and increasing costs,and even appeared the difficult situation of cash flow fracture and enterprise production suspension.The risk signs of small and micro enterprise loans are gradually emerging,and some small and micro economic entities are facing the dilemma of bankruptcy.These accumulated and increasing risks will have a great impact on the steady development of small and micro credit business in the future,but also put forward new problems and higher requirements for commercial banks’ risk control system for such products.Especially for grassroots sub-branches,it is very important to explore their own risk characteristics,identify,assess and control risks while maintaining rapid and high-quality development of small and micro credit business.In the research process,this paper firstly sorted out the previous research results by literature method to clarify the concept and content of credit risk management of small and micro enterprises.Secondly,it analyzed the operation status of D branch of Industrial and Commercial Bank of China and identified the existing problems in the risk management of credit business of small and micro enterprises by interviews and questionnaires.Finally,feasible solutions and solutions to the main problems in this branch are given.Through systematic research and analysis,this paper mainly draws the following conclusions: In terms of risk identification,the risk identification ability of this sub-branch is improved by strengthening the management of customer access,establishing moral constraints and improving the internal control system,and optimizing the credit business process of small and micro enterprises.In the aspect of risk assessment,the weight is determined scientifically by using analytic hierarchy process,and the quantitative analysis and qualitative analysis are effectively combined to supplement and enrich the existing evaluation indicators of the sub-branch.In terms of risk control,the risk control ability of the sub-branch is further optimized by proposing three aspects: strengthening post-loan management practices,improving training system and setting up independent departments for small and micro credit business.It is hoped that the suggestions put forward in this paper can effectively improve the risk management ability of small and micro enterprise credit business of ICBC D branch,and provide reference for many grassroots branches with similar development status.