Bank Risk Management Of Small Enterprises Finacing

Since reform and opening up, small business catch the development of energy. Years of development makes the status of small business upgrading continuously. The government of China introduce policies to encourage small business development, and take various measures to solve the financing difficulty problem of small business. Because of the operational characteristics of small business, commercial bank Put into more and more credit resources, and more and more energy to prevent the credit risks.At first, on the basis of credit risk management research at home and abroad, the paper proceed from G bank Guangzhou branch’s reality, introduce the small business risk management system of G bank Guangzhou branch. Including risk control before loan system, credit control system, risk management after loan system. The control before loan system contains small business rating system, small business credit extension system, collateral assessment system, and Financing investigation system. Credit control system contains supervision system. Risk management after loan system combine with management after loan system, small business risk early warning system, risky assets disposition system. Secondly, analyze the operating data of G bank Guangzhou branch In the past few years, discover some operating problems of G bank Guangzhou branch, and analyze the causes of the problems. In allusion to small business risk management implementing guarantee, combine with the objectives of small business credit risk management, we propose six solutions, contain consummate G bank Guangzhou branch’s small business credit management organizational structure, consummate human resource management structure, reinforce credit management culture cultivate, enrich small business credit products, establish inline collateral assessment data base and real estate price early warning system, enhance veracity and integrity of system entering, innovate the system of small business line of finacing and the dispose system of risky assets.Base on the liquidity, security, profitability of G bank Guangzhou branch, establish accord with risk management of G bank Guangzhou branch’s development, make a contribution of the G bank Guangzhou branch’s small branch develop and effectively prevent the risk. And provides experience for the small risk management of other commercial banks.