Research On Optimization Of Credit Risk Management System For Small And Micro Businesses Of Minsheng Bank Tianjin Branch

With the introduction of the concept of inclusive finance for small and micro enterprises and the implementation of the regulatory guidelines,small and micro enterprises,as one of the important service objects of inclusive finance,are receiving more and more attention from the government and the market.As the first national large-scale joint-stock commercial bank established with private capital,Minsheng Bank has always taken small and micro credit business as one of its development strategies.Minsheng Bank Tianjin Branch has continuously assisted many local small and micro enterprises to solve the capital problem for more than 10 years,and the service level is also improving constantly while developing small and micro businesses.However,some problems in the risk management of small and micro credit have gradually emerged,including incomplete acquisition of pre-loan survey data,low systematization of in loan review,and untimely post loan risk warning.Therefore,it is of practical significance to study the optimization of the risk management system of small and micro credit business,which can improve the operation and management mode of small and micro businesses and promote the sustainable development of small and micro businesses,help Minsheng Bank Tianjin Branch reduce the credit risk of small and micro businesses,and provide reference for peers to improve their risk management capabilities.This paper studies the credit risk management of small and micro businesses of Minsheng Bank Tianjin Branch in detail by using the methods of normative analysis,case study and investigation.By analyzing the current situation of credit risk management of small and micro businesses of Minsheng Bank Tianjin Branch,focusing on the investigation of risk management structure,risk management principles,systems,processes and risk control means,this paper summarizes the relevant problems and causes of credit risk management of small and micro businesses,and analyzes the risk and its sources in the pre loan investigation,in loan approval,post loan management and non-performing asset disposal stages respectively.In combination with the small and micro credit business practice of Minsheng Bank Tianjin Branch,the optimization strategy of small and micro business credit risk management system of Minsheng Bank Tianjin Branch is proposed around the stages of pre-loan,during loan,post loan and non-performing asset disposal.Focusing on the characteristics of credit risk management of small and micro businesses and the geographical and industrial characteristics of small and micro enterprises,we will use the concept of big data risk management to build a credit risk identification system for small and micro businesses,so as to achieve more data management integration.Starting from reducing the information asymmetry between banks and small and micro enterprises,we will improve the efficiency of risk management and provide better credit support for small and micro enterprises.This paper aims to provide new ideas for the follow-up credit risk management of small and micro businesses and provide reference for other financial institutions to carry out this business through the optimization research on the credit risk management system of small and micro businesses of Minsheng Bank Tianjin Branch.