| The micro and small enterprises plays a very important role in China’s economic development, micro and small enterprise financing problem becomes the hot topic that under debate of all sectors of the community in recent years. Baoshang bank as our country’s pioneer of micro and small enterprise loans, it has been seven years since it starts the micro and small enterprises loan business in2005, accumulates a lot of valuable experience, and provides a theoretical basis to carry out micro and small enterprise loan business for the same industry. But along with the market economic environment constantly changing, new risk also arises at the historic moment. Baoshang bank must be in response to the change in the market, adjust risk control organizational structure, management processes, and IT systems appropriately, to ensure sound and fast growth, and it is imperative. All, strengthen risk management and improve the quality of micro and small enterprise loan to micro and small enterprise loan are not only the basic requirements of Baoshang bank to build the best small business financial services integrator, are also the necessary means in the current situation of the overall economic descending, to ensure the safe operation and evade risk, even more are the rigid requirements of answering the Government’s call to support the development of SMEs, to implement the scientific outlook on development, to realize sustainable development.This paper combines the current characteristics of the micro and small enterprises in China, bases on analysing the micro and small enterprise loan product and the risk business processes of Baoshang Bank, elaborates the risk control measures and characteristics of Baoshang Bank micro and small enterprise loan. By comparing with the same trade at home and abroad, gives suggestions on the Baoshang bank in the development process of micro and small enterprises loan and how to effectively prevent risks, improve the quality of bank assets. |
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