| Improving the financing environment of small and micro enterprises to help them grow has become the consensus of governments at all levels in China.In recent years,with the introduction of various regulatory policies to support small and micro enterprises and promote the financial services of small and micro enterprises,commercial banks have paid more and more attention to the credit services of small and micro enterprises.By the end of2022,the balance of loans used by banking financial institutions for small and micro enterprises was $59.7 trillion,including $23.6 trillion of loans for inclusive small and micro enterprises with a total credit service of $10 million or less for a single account,with a year-on-year growth rate of 23.6%.With the rapid development of credit service of small and micro enterprises in commercial banks,the problem of credit service risk control of small and micro enterprises in commercial banks has become more and more prominent.Due to the inherent small scale and poor management of small and micro enterprises,the existing risk control of commercial banks is difficult to objectively evaluate the risk of credit service of small and micro enterprises,which is mainly reflected in the technical means of risk control,risk control and monitoring mechanism.It brings great challenges to the healthy development of small and micro enterprise credit service of commercial banks.As a large state-owned bank with credit,securities and other financial products as its main business,JNBC Bank has obvious problems in pre-loan assessment,in-loan inspection and post-loan monitoring of credit service risk control of small and micro enterprises.For example,the rating system in pre-loan assessment is not perfect,which leads to the failure to effectively assess whether small and micro enterprises meet the bank credit service requirements,As a result,the non-performing loan rate and the overdue rate of the credit service of small and micro enterprises reached 3.36% and 3.92% respectively,indicating that there are obvious problems in the risk control of the credit service of small and micro enterprises of JNBC Bank at present.Based on the definition of small and micro enterprises,credit service risk and other related concepts,this paper combs the theoretical basis of credit service risk of small and micro enterprises,and takes JNBC Bank as the research object,analyzes and optimizes the credit service risk control of small and micro enterprises in the three processes of pre-loan risk control,in-loan risk control and post-loan risk control in the process of credit service risk control of small and micro enterprises.In order to ensure the objectivity and scientificity of this study,the author not only analyzed the current situation of credit service risk control of small and micro enterprises of JNBC Bank,but also used interview and questionnaire methods to investigate the current situation of credit service risk control of small and micro enterprises,and used fuzzy evaluation method to quantitatively evaluate the current level of credit service risk control of small and micro enterprises of JNBC Bank;According to the quantitative evaluation results,this study found that JNBC Bank had obvious problems in risk control of small and micro enterprises: first,credit rating,pre loan investigation and quota verification in pre loan risk control were lack of scientificity;second,there was obvious lack of review and supervision in loan issuance,loan disbursement and loan management in loan risk control;third,there was obvious lack of enthusiasm and post loan supervision in post loan risk control.In order to improve the problems existing in JNBC Bank’s risk control before,during and after the loan,this study proposes an optimization plan in three directions: pre loan investigation and assessment,in loan approval and inspection,post loan monitoring and early warning,and proposes safeguards for the implementation of the plan. |
