我国小微企业在经济方面起着十分重要的作用，特别是在经济发展、激发行业活力、提供就业机会等方面起到推动作用。十九届五中全会明确提出，要大力支持创新型中小微企业成为创新的源头，要不断加强平台的技术建设，同时要改善现行的法律法规和政策体系。这些措施都为科技型小微企业的发展提供了良好环境。因此，我国各大银行在制定发展措施时会将科技型小微企业信贷业务作为重点关注业务。N银行南京分行的主要业务就是以科技型小微企业信贷业务为主的各项业务，但是科技型小微企业在管理过程中出现诸多问题，比如管理规章制度不健全，抗风险能力不够强等等。此外，对N银行南京分行的各项业务进行统计，发现科技型小微企业信贷业务的违约率长时间处于比较高的位置，这一情况令科技型小微企业信贷业务的发展受到掣肘。因此，研究N银行南京分行科技型小微企业信贷业务的风险管理策略具有重要意义，特别有助于提高对该业务的风险管理水平。本文通过分析该分行科技型小微企业信贷业务的现行风险管理策略，对于管理过程中存在的问题并提出有针对性的改进措施，根据建议进行改进后可以改善N银行南京分行当前信贷风险管理水平与科技型小微企业信贷业务发展不相匹配的现状，这同时也对风险管理策略的制定有一定的指导意义。
本文在研究时采用多种方法，综合考虑N银行南京分行科技型小微企业信贷业务的经营情况，按照提出问题、对问题产生的原因进行分析和解决问题的思路进行研究。在分析时参考各种相关文献，特别是对国内外现有的研究成果进行整理和分类，综合整理后对近年来的信贷业务风险管理的现状进行详细的研究，在分析时按照业务开展的流程进行分析，从贷前、贷中及贷后角度对存在的各种问题进行分析。总结发现问题主要出现在几个阶段，分别是贷前尽职调查缺乏标准化，准入标准不科学、贷中审查审批没有体现对于科技企业的差异化，风险识别能力不足、贷后的后续管理不够充分禁止，管理人员风险意识不强。本文针对该分行科技型小微企业办理信贷业务的过程中所发现的问题给出了相应的建议。一是不断丰富贷前查访的方式。在查访时重点关注科技型小微企业行业的特点，在此基础上对科技型小微企业的发展周期进行分析，同时不断丰富贷前查访的渠道，加强创新型标准化产品的开发。二是通过建立和完善审批管理来完成贷中管理提升，要建立起功能丰富的科技型小微企业信贷管理中心，加强对信贷额度的审批力度。三是注重对于贷后存续期风险的控制。首先，应构建“审慎监管”制度；第二，提升“抵押资产”的处理水平；第三，健全“大数据”管理体系。同时，在系统数据库建设保障、风险管理体系建设保障、科技手段保障、人才保障和企业文化保障等方面，为 N银行南京支行的科技小微企业贷款工作提供了有力保障。

Small and micro enterprises in our country play a very important role in the economy, especially in promoting economic development, stimulating industry vitality, and providing employment opportunities. The Fifth Plenary Session of the 19th Central Committee explicitly proposed to vigorously support innovative small and medium-sized enterprises to become the source of innovation, continuously strengthen the technological construction of platforms, and improve the current legal, regulatory, and policy system. Therefore, major banks in China will prioritize the credit business for technology-based small and micro enterprises when formulating development measures. The main business of N Bank Nanjing Branch is mainly focused on credit services for technology-based small and micro enterprises. However, technology-based small and micro enterprises have encountered many problems in the management process, such as inadequate management regulations and weak risk resistance capabilities. In addition, statistics were conducted on the various businesses of N Bank Nanjing Branch, and it was found that the default rate of technology-based small and micro enterprise credit business has been relatively high for a long time, which has hindered the development of technology-based small and micro enterprise credit business. Therefore, studying the risk management strategy of N Bank Nanjing Branch's technology-based small and micro enterprise credit business is of great significance, especially in improving the risk management level of this business. This article analyzes the current risk management strategy of the technology-based small and micro enterprise credit business of the branch, identifies the problems in the management process, and proposes targeted improvement measures. Based on the suggestions, improvements can be made to enhance the risk management level of the technology-based small and micro enterprise credit business of N Bank Nanjing Branch. This also has certain guiding significance for the formulation of risk management strategies.
This study adopts multiple methods for research, comprehensively considering the actual situation of N Bank Nanjing Branch's technology-based small and micro enterprise credit business, and conducting research according to the ideas of raising questions, analyzing the causes of problems, and how to solve problems. When analyzing, various relevant literature was referred to, especially the existing research results at home and abroad were sorted and classified. After comprehensive sorting, the current situation of risk management in the technology-based small and micro enterprise credit business of N Bank Nanjing Branch in recent years was studied. According to the process of business development, various problems in the process of business risk management were summarized from different perspectives such as pre loan, during loan, and post loan. The main problems found in the summary mainly occur in several stages, namely insufficient due diligence before the loan, incomplete implementation of review and approval during the loan, and insufficient follow-up management after the loan. This article proposes suggestions from the following aspects to address the problems in the technology-based small and micro enterprise credit business of the branch. One way is to improve the method of pre loan inspections. By mastering the characteristics of the technology-based small and micro enterprise industry, analyzing the development cycle of technology-based small and micro enterprises, and expanding the methods and channels of pre loan visits, the evaluation and assessment system for credit personnel is improved. The second is to strengthen the management of loan approval. The main way to achieve management is through establishing and improving approval management, especially by establishing a technology based small and micro enterprise credit management center that is relatively independent. At the same time, it is necessary to strengthen the approval of credit limits and continuously improve relevant management systems. The third is to pay attention to risk control during the post loan term. Firstly, a "prudent supervision" system should be established; Secondly, improve the level of handling "mortgaged assets"; Thirdly, establish a sound "big data" management system. At the same time, it provides strong support for the technology small and micro enterprise loan work of N Bank Nanjing Branch in terms of system database construction guarantee, risk management system construction guarantee, technological means guarantee, talent guarantee, and corporate culture guarantee.