MBA教育中心知识库

2020年以来，受经济下行压力不断增大，加之“疫情、灾情、案情”三情叠加影响，小微企业存在着信贷需求强烈、信贷产品单一、融资难等诸多问题， 而量大面广的小微企业却是稳经济的重要基础、稳就业的主力支撑，为此国家出台一系列助企纾困政策，工商银行对此积极扩大金融覆盖广度和深度，开展小微企业金融服务能力提升工程，贷款余额和贷款新增量均得到了质的提升。

随着贷款余额和贷款新增量的快速增加，随之而来的是一系列的资产质量问题的产生，资产质量的好坏与国家政策调控、国内经济形势、市场和行业变化等因素存在较高关联性，特别是在经济下行和疫情持续影响下，更能体现出一个银行的风控水平，而风险控制是一个全流程的管理过程，贯穿于贷款申请至贷款完 全收回之间的各个环节，且在各个环节间均有不同的风控侧重点，因此信贷风险 控制工作对于银行的重要性不言而喻。本文以工行新乡支行“经营快贷”为研究对象，通过借鉴国内外有关信贷风险控制的相关研究，运用现代商业银行的风险 控制方面理论知识，结合新乡县地区的经济结构和产业分布情况及工行新乡支行行情，从“经营快贷”产品出发，从风险控制体系、风险识别和分析、风险评估 和控制、风险监测等多方面分析工行新乡支行“经营快贷”的风险控制现状。同时经过长期实践调查核实，发现“经营快贷”风险控制中存在借款人资质条件不高；支行重视程度不够；对借款人信息真实性、完整性、合规性缺乏深入调查；审查审批人员综合素质水平参差不齐；审查审批控制体系尚不稳定；风险评估方 法及机制单一；贷后管理及风险预警触发机制不健全；信贷管理团队责任不明晰、 责任意识不足；贷款资金流向关注不够等诸多问题，在此基础上提出要强化“经 营快贷”风险文化建设；加强“经营快贷”贷前(入口)风险控制调查；优化“经营快贷”贷中(闸口)风险控制审查；强化“经营快贷”贷后(出口)风险控制管理等相应的对策建议，希望能够对工商银行新乡支行有效控制“经营快贷”风险，提高信贷资产质量，实现其高质量发展提供参考。

Since  2020,  the  economic  increasing  downward  pressure combined with  the  "epidemic,  disasters,  the  case"  three  superposition   effect,  small  micro  enterprises  there  is  a  strong  demand  for  credit,  cred it products,  such  as  single,  financing  difficult problems,  and  enormous  quantity wide  small  micro  enterprise  is  the  important  foundation of the  economy,  the  main  steady  employment  support,  rescue policy  for this  country  issued  a  series  of help,  In  this regard,  ICBC  actively  expanded  the breadth  and  depth  of financial  coverage,  carried out the project  to  improve the  financial  service  capacity  of small  an d micro  enterprises,  and  the balance  of loans  and  the  new  increment  of  loans  were  improved  qualitatively.

With  the  rapid  increase  of loan balance  and new  incremental, followed by  the production  of a  series  of asset  quality problems, asset  quality  and  the  national policy,  the  domestic  economic situation,  the  change  in  the  market  and  industry  are  more  relevance, especially in  the  economic  downturn  and  outbreak  continued,  more  can  reflect  a bank's  risk  control  level,  Risk control is  a  whole-process  management process,  running  through  all  links between  loan  application   and  loan  recovery,  and  there  are  different risk  control priorities  in  each  link.  Therefore,  the  importance  of credit risk  control  for  banks is  self-evident.  In  xinxiang  branch  of  icbc  "business  credit"  as  the  research  object,  through  draw  lessons  from  domestic  and  foreign related  research  about  credit  risk  control, using  the  modern  commercial bank risk  control  theory  knowledge,  combining  xinxiang  county   region  economic  structure  and  industrial  distribution  and  xinxiang  branch  of  icbc,  starting  from  the  "fast"  loan products,  From  the  risk  control  system,  risk  identification  and  analysis,  risk  assessment  and  control,  risk  monitoring,  this  paper  analyzes  the  risk  control  status  of "operating  fast  loan"  in Xinxiang  branch  of ICBC.  At  the  same  ti me,  through  long-term practice  investigation  and verification,  it  is  found  that  the borrower's  qualification  condition  is not high  in  the  risk  control  of  "operating  fast  loan".  Branch  attention  is not  enough;  Lack  of in-depth  investigation  on  the  authenticity,  integrity  and  compliance  of the borrower's  information;  The  comprehensive  quality  of  the  examination  and  approval personnel  is uneven;  The review  and approval  control  system  is  not  stable;  Single risk  assessment method  and mechanism;  Post-loan  management  and risk  early  warning  trigger mechanism  is not perfect;  Credit management  team  responsibility  is  not  clear,  responsibility  awareness  is  insufficient;  On  the basis of many problems  such  as  insufficient  attention  to  the  flow  of  loan  funds,  this paper proposes  to  strengthen  the  construction  of risk  culture  of "operating  fast  loan".  Strengthen  the  pre-loan  (import)  risk

control  investigation  of "operating  fast  loans";  Optimize the  risk  control review  of "operating  fast  loans"  in  (gate);  Strengthening  the post-loan  (export)  risk  control  and  management  of "operating  fast  loan"  and  other  corresponding  countermeasures  and  suggestions,  hoping  to provide  reference  for  Industrial  and  Commercial  Bank  of China Xinxiang  Sub-branch to  effectively  control  the  risk  of   "operating  fast  loan",  improve  the  quality  of credit  assets  and realize  its high-quality  development.