Research On Loan Risk Control Of Small And Micro Enterprises In Branch X Of Bank A Under The Background Of Inclusive Finance

In recent years,our country has paid more and more attention to inclusive finance.Small and micro enterprise loans play an unprecedented influence on "stabilizing employment and economy".Due to their large number,wide scope and wide industries,small and micro enterprises play a crucial role in promoting mass entrepreneurship and innovation and promoting the transformation of economic development mode.The CPC Central Committee and The State Council attach great importance to and support the development of micro,small and medium-sized enterprises under the pandemic,and hope to effectively solve the problem of "difficult and expensive financing" for enterprises.The focus of inclusive finance on equity and poverty eradication does not mean that inclusive finance is a public benefit for small and micro businesses and people in need.Compared with the loans of large companies,the loan amount of inclusive enterprises is smaller,the number of customers is large,the loan review time is shorter,and the industry distribution is wider.The urgent business development needs and relatively lack of risk control means make the research on the loan risk control of inclusive financial small and micro enterprises particularly necessary.As an important part of financial institutions,banks should adhere to the combination of marketization and policy support in the implementation process of inclusive financial policies,and establish and improve incentive and restraint mechanisms to ensure the sustainability of development.As a state-owned commercial bank,Bank A is duty-bound to implement central policies and respond to the call of the government.It’s mission is to "integrate the world and benefit the society",to "assume the responsibility and mission of a state-owned bank,focus on serving the real economy",and strive to make inclusive finance and green finance a new name card of the Group’s development.Since the epidemic,China’s economy has continued to decline,but Bank A has gone against the current,constantly increasing the task of inclusive finance and conveying the loan pressure of small and micro enterprises,which makes the risk control ability face severe challenges.Before 2019,Branch X rarely dealt with loans for small and micro enterprises.Since 2019,the scale of loans for small and micro enterprises of Branch X has doubled every year,and subprime loans have repeatedly appeared,which has caused great pressure on the loan risk management of Branch X.The external economic environment is constantly changing and financial innovation is changing with each passing day.The few experiences in the past can no longer meet the problems faced by banks in the ever-changing environment.How to manage the risks of small and micro enterprises with high quality and targeted management has become an urgent topic for Branch X to study.Based on the behavior of Branch X of Bank A,this thesis analyzes the basic situation,risks and risk control direction of Inclusive Finance and small and micro enterprise loans.Through an in-depth study of the current situation of specific branch loans,this thesis analyzes the risks of small and micro enterprise loans from the whole loan process,takes the existing small and micro enterprise loan customers of X branch as the research object and past risk cases as the entry point to sort out and evaluate the existing problems,so as to make the research results more meaningful.Then,starting from field visits,questionnaire surveys,statistical analysis and other methods,analyze its risk control advantages,find out problems,comprehensively evaluate the loan risk of small and micro enterprises in sub branch X,and combine theory with actual cases to find out the loan risk factors of the sub branch and the risk control elements that are more in line with the current situation of small and micro enterprises,the management methods for optimizing loan risk control are put forward,and the research results are applied to practice,laying a solid risk control foundation for the development of inclusive financial business of bank A.It is hoped that the purpose of solving practical problems can be realized,and the small problems can be seen as the big ones,and it can also provide enlightenment for the loan risk control of small and micro enterprises of other commercial banks.