Research On The Problem Of Small Enterprise Loan In ICBC Of Jilin Branch

Promote small business development, is to keep the economy healthy and rapiddevelopment of the province ’s major security is an important factor affecting people’slivelihood and social stability. Industrial and Commercial Bank of China branch in Jilinprovince as the largest financial institutions, through small business lending, can effectivelysupport the development of small businesses in the province. Small business loans tomaintain steady and rapid development, but also to improve the Jilin Branch of ICBC bankcredit assets safety, liquidity and profitability of the important means. Since2010, theIndustrial and Commercial Bank of Jilin Branch to implement policies to support smallbusiness credit, set up specialized agencies to promote product innovation and smallbusiness credit, small business credit business has achieved rapid development.2013,small business loan risk gradually exposed, adding to the "fear of credit " psychologicalbanks. Resulting in the province of small businesses with ICBC to establish and maintaincredit relationships more difficult, urgent research Jilin Branch of ICBC small business loanproblems.This article first introduces the current situation ICBC small business customers, theconcept of small business loans, bank credit-related theories mentioned herein as well asdomestic and foreign scholars in recent years, the research questions; then, through a lot ofdata analysis, the Industrial and Commercial Bank of China in recent years, small case ofcorporate loans objective exposition; by listing a large number of small enterprises JilinBranch of ICBC loan risk exposure scenarios, analyze the root causes of SME loan riskexposure; Finally, under the premise of effective prevention and control risk to developsmall business loans countermeasures.This article seeks to achieve a breakthrough in theory, business practices and the articlestructure. Theoretical aspects: one is based on the big banks-Analysis of the small businesssymbiosis, symbiotic complement the existing financial theories; second is proposed forsmall business credit rating model is perfect for bank risk management theory; Third,innovation Solvency assessment methods small business customers, is further subdivided onthe financial management of corporate finance theory evaluation methods. Practice areas:primary research through long-term analysis and a lot of instances, intuitive and objectivereveals the problems of small business loans, small business loans made to solve the problem of countermeasures from the bank angle. Originality and operability. On paperstructure, the paper from abroad MBA dissertation structure, featuring case studies andperspectives will combine demonstration, focusing on solving practical problems.I believe that banking institutions are developing innovative mechanisms for smallbusiness loan business foundation. ICBC Jilin Branch should firmly establish the marketposition of small business services, small business loans by optimizing products andpolicies to improve the reception of the marketing department and other measures to increasethe enthusiasm of small business credit market business development efforts; banks shouldfocus on small businesses guidance, supervision and services, through the establishment oflong-term stable relationship between credit small business owners to improve the qualityand competitiveness of products; innovative management monitoring, rapid responsemechanism of small businesses, improve asset preservation capacity of small business loans,effective prevention and control of small businesses Loan credit risk; promote theestablishment of small business lending intermediary service institutions, to strengthencommunication and cooperation with local authorities to ensure the effective operation ofthird-party service providers, thereby improving the external environment, small businessloans for business development.