Research On Risk Control About Small And Micro Businesses Loan In Bank Of Shanghai Suzhou Branch

At present in our country,small and micro businesses have large quantities.It has the characteristics of high growth and full of potential,with unlimited prospects for development.It has become an important part of fiscal revenue and an important force in the national economy,but also the rapid development of small and micro businesses improves the employment rate,plays a pivotal the role in the social development.However,limited to own size,the development and the growth of small and micro businesses is more twists and turns,compared with large and medium-sized enterprises.As an important financing channel for small and micro businesses,bank financing plays an important role in their growth.But with the surge of business and customers,also with the impact of the external environment,including the Bank of Shanghai,Suzhou branch,many banks has emerged in varying degrees of risk characteristics on small and micro businesses loan business.With the development of small and micro businesses loan business,how to effectively control the credit risk has become particularly important.Through the research,the paper provides advice in order to improve the Bank of Shanghai,Suzhou branch small and micro businesses credit business risk control strategy system,and also improve the quality of small and micro businesses credit business.At the same time,to point to cover up,it will promote the common strategy out to other commercial banks,which will ease the small and micro businesses loans difficult situation to a great extent,and also can promote the rapid development of small and micro businesses.And the rapid development of small and micro businesses will lead small and micro businesses credit business in commercial banks.A complementary and mutuallyreinforcing relationship exists between them,and then effectively promote the sustainable development of small and micro businesses credit business of the commercial bank.Firstly,the paper elaborates the background of the research and the significance of thesis research.The paper takes Bank of Shanghai,Suzhou branch as an individual case,and takes the risk control problem of the small and micro businesses credit business as the research content,by using literature analysis and case analysis to further research.With reference to the advanced research results of some foreign experts and scholars,learn the difficulties of the small and micro businesses fund demand and financing.And on the situation of the information asymmetry between banks and enterprises,how small and micro businesses reduce credit risk,which will serve as the theoretical basis for this paper.Secondly,the paper analyzes the overall situation of small and micro businesses credit business,then it founds that small and micro businesses credit business is on the rise in the bank,and the proportion of loans also increased year by year.Small and micro businesses credit business in the future is bound to be an important part of the bank's credit business,but for now,has not yet formed a scale,and large and medium enterprises credit is still dominant.Then the paper analyzes the status quo of credit risk management of Bank of Shanghai,Suzhou branch on small and micro businesses,though before loan,processing in loan,management after loan.Through in-depth analysis of the above situation,put forward problems and deficiencies about the risk control of credit business in the small and micro businesses.Finally,the paper analysis the specific problems about small and micro businesses credit risk control of the bank from the external environment and the internal situation of the bank as the main starting point.The economic downward trend brings small and micro businesses great difficulties,and many risk factors exist with small and micro businesses of their own business management,and the bank'sinternal control system is not perfect and so on,which causes the credit risk control of weak small and micro businesses.And then after the analysis of the problems existing in the credit risk control of small and micro businesses in Bank of Shanghai,Suzhou branch,puts forward the countermeasures and methods to improve the risk control.