Research On Credit Risk Management Optimization Of Inclusive Finance For Small And Micro Enterprises Of Bank Of China In SN

As an important support force for the development of China’s market economy,the contributions made by small and micro enterprises in promoting employment and supporting entrepreneurship cannot be underestimated.However,small and micro enterprises often face many problems in financing,such as difficulties in financing or very high financing costs;In recent years,in order to promote the better development of small and medium-sized enterprises in the market,the government has successively demanded the implementation of inclusive finance strategies,and advocated the use of inclusive finance to regulate a series of contradictions and conflicts that arise in social development and people’s livelihood development.Compared with large enterprises,small and micro enterprises are very weak in terms of scale and financial strength,and these disadvantages indirectly lead to high risks faced by inclusive financial credit for small and micro enterprises.Therefore,how to enhance the credit management capabilities of inclusive finance for small and micro enterprises and effectively enable them to enjoy the benefits brought by inclusive finance is undoubtedly a question worth pondering.This article focuses on the behavior research object of SN,and takes the inclusive financial credit business provided to small and micro enterprises in the market as the entry point.Through various methods such as questionnaire surveys,this article analyzes the problems that arise in the practical practice of inclusive financial credit for small and micro enterprises.The main manifestations are: weak identification ability and inadequate implementation of identification systems in the risk identification process;There are issues in the risk assessment process,such as unclear rating standards,inadequate credit rating rigor,and a lack of advanced risk measurement models;There are issues with excessive emphasis on form and weak control capabilities in the risk control process.In response to risk management issues,risk management theory is applied to propose solutions and methods from three aspects.Firstly,in terms of risk identification,it is necessary to strengthen the professional literacy of credit personnel,improve the on-site investigation and visit system for credit risks in small and micro enterprises,build a credit risk identification information system for small and micro enterprises,and optimize the credit review and approval process for small and micro enterprises;Secondly,in the aspect of risk assessment,we should optimize the qualitative and quantitative risk indicators and build a scientific evaluation system;Thirdly,in terms of risk control,it is necessary to implement diversified credit risk control measures for small and micro enterprises,outsource some post loan collection work for small and micro enterprises to professional institutions,and optimize the credit risk control process for small and micro enterprises.Finally,it puts forward the risk management guarantee measures,that is,improve the operation guarantee of post-loan management,improve the risk management system and cultural construction,and strengthen the construction of professional personnel.In order for commercial banks to achieve high-quality development,they must strengthen the management and control capabilities of credit asset risks.Therefore,this study will take inclusive financial credit for small and micro enterprises as the entry point,and analyze it based on behavioral orientation in SN,in order to provide feasible opinions and insights for Bank of China and other commercial banks in SN to better manage and control the risks arising from such credit business.