Study On Credit Risk Management Of Hebei Province Rural Bank Small And Micro Businesses

In order to solve the problem of low coverage, lack of financial supply, competitioninsufficient, the farmers and small-micro businesses loans difficult problem in rural areas facethe banking and finance institutions, the CBRC issued "on the adjustment of policy easing accessof banking financial institutions in rural areas, more several opinions" supporting theconstruction of new socialist countryside, village banks emerge as the times require, but as aspecial service "three rural" and the county regional economy of small and medium-sized banks,faces a variety of risks in their business, the credit business is the main source of income, so thecredit risk is the main risk management process of village bank. In the current externalenvironment, credit risk management is not only the game of risk, hedging risk and return thebank to evade, is also a kind of value-added benefits obtained mode. For rural banks, in thespecial environment, gain and loss, to a considerable extent, depends on the improvement ofrural bank credit risk management.The gross value of tax and the production of small and micro businesses play an importantrole in the economy of our country, plays a crucial role in the maintenance of social stability andpromote the development of China’s national economy and. Since2011September, Wenzhouusury collapse, a large number of the boss "run away", loans to small and micro businesses onceagain on the agenda. Financing difficulties of small and micro businesses, has many reasons,such as the financial system is not perfect, the distortion of the accounting information, internalfinancing level difference, mortgage guarantee ability deficiency. As taking county, service smallvillage banks, loan to alleviate the small and micro businesses, it is necessary to study the creditrisk management of small and micro businesses.Firstly, the integrated use of management science, economics, information economics, gametheory analysis, the theory of credit risk management thought: between the village banks andsmall and micro businesses naturally have serious asymmetric information, in the face "in thecredit business of" adverse selection "and" moral risk ", the main adverse consequences there is abank credit crunch and small and micro businesses piandai. Secondly, according to the definitionand characteristics of village banks, the analysis of banking financial institutions and otherrelationship Bank towns and villages in the rural areas, discusses the problems of localization ofvillage banks. The county small and micro businesses starting from the actual face of villagebanks, village banks business characteristics and the cause of credit risk, and studies the processof the rural bank credit risk. Finally, according to the risk control methods of Hebei provincerural bank management and existing loan review,, elaborated the traditional credit rating method and the modern credit rating model, discusses restrictive conditions for the application of thesemodels of village banks in Hebei Province, according to the method of combination ofqualitative analysis and quantitative analysis, establish the management model of fuzzycomprehensive evaluation based on analytic hierarchy process, designed the Hebei provincerural banks to small and micro businesses the credit rating index, proposes specific measures ofcredit risk management of village banks in Hebei province...