Risk Assessment Of N Bank’s Small And Micro Credit Business In The Post-epidemic Era

In early 2020,the COVID-19 pandemic swept the world.As the epidemic continues to ferment,the economy of all countries in the world has suffered a strong impact,and the global economy has experienced an overall downward trend.In order to cope with the downward pressure of the economy,various countries have successively implemented loose monetary policies.Loose monetary policy,resulting in a large number of money to the market,the commercial bank credit line increase,but the new crown outbreak repeatedly made entity enterprise management difficult,small micro enterprises due to its characteristics such as small scale,management is not perfect,the impact is more intense,under this background,the bank credit risk assessment of the difficulty is increased,which may lead to a rise in bank loans,It is easy to generate financial risks without effective methods.Commercial banks,as the main force of financial service supply,have a great impact on China’s economic activities.If commercial banks’ business risks will directly affect the stability of China’s economy and society.As a local city firm in Nanjing,N Bank’s credit business targets are mainly small and micro enterprises.Therefore,credit risks for small and micro enterprises need to be paid more attention.In this context,this paper chooses the small and micro credit business of N Bank as the research content.First combed the current small micro credit business research status at home and abroad as well as micro credit business risk assessment related theory,then analyzes the negative effects of COVID-19 outbreak,on the basis of summarizing the outbreak time after bank in small micro credit business risk assessment should be focused on three major risk factors,namely,business risk,environment risk and management risk.Then,Logit model is used to analyze the defects of N Bank in risk assessment of small and micro credit business.After field investigation and analysis,a risk assessment system for small and micro credit business suitable for N Bank is rebuilt.Finally,typical cases in N Bank credit project are selected for practical verification,and relevant risk management suggestions are given.Conclusions: COVID-19 has dealt a heavy blow to the stability of the world economy,and its negative impact on small and micro businesses is more far-reaching.The risk of small and micro credit business of commercial banks will increase.The recurrence of the epidemic has led to the uncertainty of the development of small and micro enterprises.Due to the impact of the epidemic and the development characteristics of small and micro enterprises,commercial banks need to focus on the business risk,environmental risk and management risk of small and micro enterprises in the post-epidemic era when assessing the risk of credit of small and micro enterprises.In the past,the proportion of "collateral" factors in the credit risk assessment of small and micro enterprises of N Bank was too high,and the risk assessment was not accurate and perfect.The risk assessment system adjusted after the structure is more simple and practical,which fits the characteristics of small and micro enterprises,and has stronger applicability in the post-epidemic era.