Study On Pre-loan Management Of Small And Micro Business Of HJR Bank

Small and micro enterprises are an important component of the national economy,playing an irreplaceable role in economic development,employment,taxation,technological innovation,and other aspects.Since 2014,various financial institutions have actively responded to national policies,vigorously developed inclusive finance,alleviated the "financing difficulties" of small and micro enterprises,and supported their healthy development.However,due to the small scale of small and micro enterprises,the lack of fixed assets,and the lack of collateral,small and micro credit business is often a high-risk business of financial institutions.Therefore,strengthening risk source control and strengthening pre loan management of small and micro credit business is particularly important for financial institutions.It is of great significance to reduce the risk of bank small and micro business credit business and promote the healthy development of financial institutions.This article takes HJR Bank as the research object,first sorting out the relevant theories of credit business management,laying the theoretical foundation for the entire article.Secondly,the current situation of HJR Bank’s small and micro business pre loan management is analyzed from four aspects: pre loan risk investigation and management,division of responsibilities,pre loan risk evaluation content,and pre loan risk management process.It is found that there are problems in the pre loan management of HJR Bank’s small and micro enterprise credit business,such as unclear departmental risk responsibilities,unclear concept of pre loan evaluation indicators,unreasonable weight of pre loan evaluation indicators,and single application of pre loan risk evaluation results.Based on the problem oriented approach,improvement measures are proposed in four aspects: improving the responsibilities of relevant entities in pre loan risk management,optimizing pre loan risk assessment indicators for small and micro businesses,scientifically designing the weights of pre loan risk assessment indicators,and expanding the application scenarios of pre loan risk assessment.Finally,from the dimensions of pre loan management system guarantee,pre loan management culture guarantee,pre loan management talent guarantee,and pre loan management information technology guarantee,propose measures to strengthen the pre loan management of HJR Bank’s small and micro credit business.This study has reference significance for improving the pre loan management level of HJR Bank’s small and micro credit business,reducing credit risks,and promoting high-quality development of enterprises.