Research On Risk Management Of Small And Micro Enterprise Credit Business Of JX Bank Pingxiang Branc

The outbreak of COVID-19 has impacted most domestic enterprises,especially small and micro enterprises.At the beginning of 2020,the State Council has regarded small and micro enterprises as key relief targets,and has frequently issued various support policies.In the annual "Government Work Report",it is proposed to alleviate the problems of high and difficult financing for small and micro enterprises,emphasizing the need to make good use of inclusive small and micro loan support tools.In order to thoroughly implement central policies,the Banking and Insurance Regulatory Bureau and the People’s Bank of China have made significant adjustments in regulatory requirements,performance constraints,credit policies,loan interest rates,and other aspects,with the aim of significantly increasing the efforts of commercial banks to extend inclusive credit to small and micro enterprises and helping them overcome difficulties.In recent years,small and micro enterprise credit business has become a key task for major commercial banks.On the basis of studying internal materials,conducting field investigations and visits,and consulting relevant literature,this article mainly conducts research on the risk management of small and micro enterprise credit business,mainly using comprehensive risk management theory,credit rationing theory,and information asymmetry theory to study the risk management issues of small and micro enterprise credit business of JX Bank Pingxiang Branch.Through a comprehensive analysis of the current situation of risk management in the small and micro enterprise credit business of JX Bank Pingxiang Branch,this article proposes the problems in risk management from four perspectives: risk identification,risk assessment,risk monitoring,and risk control.First,the moral and operational risks of offline risk identification,and information asymmetry issues lead to low accuracy in risk identification.The second is that the risk assessment method is relatively old,and the risk analysis in the credit approval document is relatively weak.The third is that the credit system model is outdated,the monitoring system is not intelligent enough,and online products lack a post-loan inspection mechanism,and the flow of credit funds is not monitored.Fourth,the risk control measures are insufficient and effective measures cannot be utilized.In response to the problems identified,this article provides optimization suggestions from the aspects of risk identification,evaluation,monitoring,and control: First,improve the online risk identification system and improve the risk identification ability of credit personnel.The second is to optimize risk assessment methods and build a risk assessment model for the credit business of small and micro enterprises.Third,improve the relevant systems for credit business risk management of small and micro enterprises,and optimize the online risk monitoring system and early warning mechanism.Fourth,optimize the risk appetite management system and improve the existing risk mitigation mechanism to improve risk control capabilities.The purpose of this study is to comprehensively analyze the current situation of JX Bank Pingxiang Branch’s small and micro enterprise credit business risk management under the background of the epidemic,identify specific problems,analyze the causes of the problems,and propose targeted risk management optimization suggestions,effectively improve JX Bank Pingxiang Branch’s small and micro enterprise credit business risk control capabilities,and maintain healthy,stable,and sustained high-quality development.