Study On NJ Rural Commercial Bank Credit Risk Management For Small And Micro Enterprises

One of the main customer groups of NJ Rural Commercial Bank is small and micro enterprises.Small and micro enterprise credit business is also one of the core businesses of NJ Rural Commercial Bank.Small and micro enterprise credit business brings economic benefits to NJ Rural Commercial Bank,but also brings many risks.Therefore,how to better manage the credit risk of small and micro enterprises is one of the key risk management content of NJ Rural Commercial Bank.Therefore,how to improve the credit risk management level of NJ Rural Commercial Bank for small and micro enterprises is a key issue that NJ Rural Commercial Bank must consider,and it is also an important issue to ensure the sustainable and healthy development of NJ Rural Commercial Bank’s small and micro enterprise credit business.This article hopes to combine years of practical experience in small and micro enterprise credit risk control management,plus the theoretical knowledge acquired during graduate school,to find out the current small and micro enterprise credit risk management problems of NJ Rural Commercial Bank,and be able to accurately Propose problem-solving strategies,while enriching the risk control theory system of financial institutions,while enhancing the overall capability of NJ Rural Commercial Bank’s credit risk management for small and micro enterprises.This paper comprehensively uses analytic hierarchy process,fuzzy comprehensive evaluation method,case analysis method,document analysis method and other methods to carry out systematic research.Through objectively expounding the current situation of credit risk management NJ Rural Commercial Bank,it finds out the main problems and then proposes NJ Agricultural The commercial bank’s optimization strategy for credit risk management for small and micro enterprises,At the same time,this article further proposes a guarantee mechanism that can ensure the implementation of the NJ Rural Commercial Bank’s small and micro enterprise credit business risk plan.The research of the thesis found that: NJ Rural Commercial Bank has standardized and specific credit risk management operations for small and micro enterprises,including three parts: pre-loan investigation,loan operation,and post-loan management.The problem is that the pre-loan investigation is not prudent and the loan Central review and supervision are not in place,and post-loan management is not in place.NJ Rural Commercial Bank’s small and micro enterprise credit risk management fuzzy comprehensive evaluation result is 0.129749.This result shows that NJ Rural Commercial Bank’s credit risk management level for small and micro enterprises is at an ordinary level and still needs to be further strengthened.In view of this,this article proposes strategies to strengthen the credit risk management level of small and micro enterprises of NJ Rural Commercial Bank from the three aspects of pre-loan,in-loan and post-loan.In terms of improving the pre-lending investigation to deal with the credit risk of small and micro enterprises,NJ Rural Commercial Bank should strengthen the breadth and depth of the pre-lending investigation content,further improve and strictly implement the pre-lending investigation process,and pay attention to the cultivation and improvement of the comprehensive quality of the investigators.In terms of improving the operation of loans,NJ Rural Commercial Bank should strengthen the efficient implementation of the separation mechanism of review and loan,reward and punishment mechanism,and credit joint guarantee mechanism.In terms of post-loan management,NJ Rural Commercial Bank should clarify the responsibilities of line management personnel and improve the risk early warning mechanism.A comprehensive risk avoidance,reduction,sharing and tolerance plan should be formed.At the same time,the potential risks of small and micro enterprises’ inheritance from generation to generation should be included in the focus of attention.