Research On Credit Risk Management Of Small And Micro Enterprise Loans In C Bank S Branch

Small and micro enterprises are an important part of our national economy,and play an important role in economic transformation,market economy development,scientific and technological innovation,job stabilization and employment.However,small and micro enterprises lack sufficient support when obtaining low-interest financing from banks and other institutions due to the small scale of assets,non-standard management,opaque finance,insufficient credit endorsement,low cost of default,and low fault tolerance.This is also the main reason for their financing difficulties.The narrow financing channel and the financing threshold beyond its management ability further raise the risk of credit default of small and micro enterprises,so that the credit operations of small and micro enterprises,especially the credit operations of private small and micro enterprises,has long been a minefield that the banking industry can avoid.However,after the call of " mass entrepreneurship,mass innovation ",the financing problems of small and micro enterprises have been eased to a certain extent,and the credit operations of small and micro enterprises has been developed,especially in recent years,the growth rate of the mandatory credit delivery of small and micro enterprises proposed by China Banking Regulatory Commission has caused the explosive growth of small and micro enterprises credit.However,most small and medium-sized banks started the credit risk management for the credit operations of small and micro enterprises late,and the particularity of the credit risk of small and micro enterprises is still immature,and the credit default rate remains high.Through the research on the loan business of small and micro enterprises in S branch of C bank,the thesis introduces the background of the development characteristics,scale status,assets quality,business process and credit risk management of small and micro enterprises in S branch.The thesis analyzes the dilemmas of increasing demand for investment growth,rising bad rate,low profit rate and market competition of customer stock in the process of developing credit operations of small and micro enterprises.By analyzing the loan data and default data of the full amount of small and micro enterprises of the S branch,we find the remarkable characteristics of the loan default of small and micro enterprises of the S branch.After interviewing with key frontline account managers,organization directors and risk management personnel of 16 branches under the jurisdiction of Branch S and on-site visits to enterprises,the real problems faced by the current business development and the credit risk management and suggestions for solutions were obtained.By summing up the data analysis and interview results,the thesis puts forward the risk index which may play an important role in the loan default of small and micro enterprises,but has not been included in the credit risk management.Then the logistic regression model is used to analyze whether the index is an important factor affecting the loan default.The results show that interest rate increase,repayment method,holding time of controlling shareholder,business owner ’ s working life,guarantee method have significant correlation with loan default.Finally,based on the theoretical and empirical research results,from the whole process of loan credit risk control and customer manager management,the corresponding solutions and suggestions for improvement were summarized.