Study On Diagnosis And Improvement Strategy Of Loan Risk Management For Small And Micro Enterprises Of Bank A

Bank A is a joint-stock city commercial bank registered in China.In order to obtain more customers in bulk and support the development of small and micro enterprises,Bank A has made great efforts to develop bulk loan business in recent years.When providing financing services for the downstream small and micro enterprises of Group B,Bank A introduced the core enterprise B Group as a guarantee institution to fulfill the guarantee responsibility through full buyback of pledges to reduce risks.Although A bank has established a complete set of post Settings,business processes and risk control mechanism,a large scale credit default risk exposure still occurred two years after the business cooperation.In order to find out the root cause of credit default,I take the batch loan project of small and micro enterprises of Bank A as the research object.Starting from the batch project design,customer selection and pre-loan investigation,I gradually analyze the loan and post-loan management process of the batch project.There are problems in the business process,risk control measures,system implementation,system construction,inspection and supervision,etc.This paper examines the defects and deficiencies of the existing risk management system and points out the main reasons for the formation of problem assets.In view of the problems and deficiencies in the risk management of A Bank’s batch loan project,I propose the "whole-process risk management strategy" from the perspective of the "three lines of defense" of bank risk management in accordance with the loan issuance process,strengthen the industry selection of core enterprises and customer access through the implementation of due diligence before the loan,and improve the credit approval and loan issuance control mechanism in the loan.Then,we should strengthen the construction of fintech after loan,effectively improve the quality of post-loan management and risk early warning,comprehensively improve the risk management ability of batch loans to small and micro enterprises of Bank A,and prevent the occurrence of credit asset risks.After the trial of the improvement strategy,in order to evaluate the initial implementation effect of the improvement strategy,this paper carries out analysis through the customer rating,the five-level loan classification and the change index of business scale in the same period,and uses the analytic hierarchy process to determine the optimal scheme of the improvement strategy.According to the analysis results,the "whole-process risk management response strategy" has achieved positive results in the trial implementation stage and achieved the expected goals.In order to promote the further comprehensive implementation of the improvement strategy,this paper puts forward the implementation guarantee requirements from the aspects of organization,personnel,capital and other four aspects.Through the comprehensive implementation of the improvement strategy,the paper continuously improves the risk management ability of the batch loan of small and micro enterprises of Bank A and promotes the sustainable and healthy development of the business.