Small Micro Enterprise Credit Mechanism Research Of Bank Of China Hunan Branch

China’s vast number of small micro enterprises plays a more and more important role inpromoting economic growth, job security, maintaining social stability and promotinginnovation of science and technology.At the same time, the commercial banks pay moreattention to the development of small and micro businesses credit business, the establishmentof an independent mechanism, equipped with specialized staff, to increase the credit funds.The China Banking Regulatory Commission issued a "guidance" in2005July, the smallenterprise loan business of banks, put forward to improve the small and micro businessescredit "six mechanisms": an independent accounting mechanism, professional personneltraining mechanism, incentive mechanism, interest rate risk pricing mechanism, the loanapproval mechanism, default information bulletin mechanism. The credit mechanism of smalland micro businesses gradually becomes the research direction of widespread concern in thecircles of theory and practice. Therefore, under the background of the credit system of ourcommercial banks is of great significance to study.Based on summarizing the domestic and foreign literatures and field investigation,extensive collection of each bank, state clearly part of Bank of our country small micro creditmechanism of the transition to the professional, the process of. Bank of China branch inHunan province small credit the "credit factory" model, the business process to followstandard operating procedures, mainly divided into the scenario analysis, customerqualification, credit investigation, credit rating, customer review, post-award management etc,this mode has the approval mechanism, organizational structure, risk control mechanism ofthe new, new marketing mechanism and incentive mechanism of the new features of the new.Analysis of the mechanism of small business credit bank of China Hunan branch made use ofa large number of data in the results, through the contrast and trade him, illustrates theproblems. For the improvement of the Bank of China Hunan branch small micro creditmechanism, to expand loan volume and effective control of credit risk, and puts forward somesuggestions at the end of this paper, from using reasonable simplified, standard factory"pipeline" operation and specialization and so on, in order to give the bank financialinstitutions of financial services for SMEs provide a useful reference work, hope to find asuitable for China’s banking industry small and micro businesses credit model.