YZ Rural Commercial Bank Small And Micro Enterprise Credit Business Risk Management Research

Since the 19 th National Congress of the Communist Party of China,the state has introduced a number of policies and measures to boost economic development.One effective measure is to develop inclusive finance to reduce the financing costs of small and micro enterprises and effectively solve the financing difficulties of small and micro enterprises.Although countries attach great importance to the financing difficulties of small and micro enterprises,the current funding situation of small and micro enterprises shows that compared with large and medium-sized enterprises,they are still faced with financing difficulties in the development process,which leads to their difficulties in further development.YZ Rural Commercial Bank takes serving farmers and small and micro enterprises as its own responsibility.While vigorously carrying out credit business for small and micro enterprises,it also encounters many risks,which affect the healthy development of its business.To do a good job of risk management of its small and micro enterprise credit business has become the focus and urgent task of its work at the present stage.This paper takes the risk management of small and micro enterprises credit business of YZ Rural Commercial Bank as the research topic,takes the theory of information asymmetry,the theory of credit rationing,the theory of total risk management as the theoretical basis,and uses the research methods of literature research and case study to conduct a systematic study on the risk management of small and micro enterprises credit business of the bank.First of all,this paper introduces the status quo of credit risk management of small and micro enterprises of YZ Rural Commercial Bank from three aspects: general situation of YZ Rural Commercial Bank,credit status of small and micro enterprises of YZ Rural Commercial Bank,and analysis of the status quo of credit risk management of small and micro enterprises of YZ Rural Commercial Bank,and analyzes the existing problems in the current credit risk management of small and micro enterprises.The main problems include weak awareness of credit risk management,many non-standard credit process management,simple identification of credit risk indicators,imperfect credit risk evaluation indicators and single methods.The existence of these problems makes the credit risk management of small and micro enterprises in a state of low efficiency,especially the credit risk identification mechanism is not sound and the qualitative evaluation of credit risk evaluation is affecting the quality of the credit risk management of small and micro enterprises.Then,it carries out credit risk identification of small and micro enterprises of YZ Rural Commercial Bank from two aspects: preliminary formulation of evaluation index system and screening of evaluation index system.From the weight design of risk index,fuzzy evaluation of index and other two aspects of YZ Rural Commercial Bank small and micro enterprises small and micro enterprise credit business risk assessment,and draw evaluation conclusions.That is,YZ Rural Commercial Bank has a large degree of influence on the risk factors of small and micro enterprise credit business.Among the six secondary index factors,the risk management system,pre-loan investigation and post-loan management all belong to the category of greater degree of influence.External environmental factors,loan approval factors,small and micro enterprises themselves all belong to the category of general influence degree;Finally,according to the evaluation conclusions,the credit risk control countermeasures for small and micro enterprises of YZ Rural Commercial Bank are proposed from three aspects:risk management system optimization,pre-loan risk control optimization and post-loan risk control optimization.Through the research of this paper,it can play a theoretical guiding role in the risk management of small and micro enterprise credit business of banks,make up for the deficiency of this research,promote the improvement of the risk management level of small and micro enterprise credit business of YZ Rural Commercial Bank,and also play a certain reference and demonstration role for other commercial banks to optimize the risk management of small and micro enterprise credit business.