Research On Credit Risk Management Of Small Enterprises Of ICBC Branch In Guangdong Province

Since the outbreak of financial crisis, governments at all levels have increased financial support to solve the financing problems of small businesses. However, due to small business loan’s high risk characteristics, all commercial banks not only develop small business credit in great efforts, but also actively prevent the risk of it. This paper investigates small business credit risk management of Guangdong Branch of the Industrial and Commercial Bank of China (abbreviation:Guangdong ICBC, the same below), which is benefit for promoting scientificity and feasibility of small business credit risk management, and realizing healthy and sustainable development of the Guangdong ICBC small business credit business.At first, on the basis of introducing related small business credit management research at home and abroad for reference, this paper starts from the Guangdong ICBC profile, reveals the practical problems that exist in the Guangdong ICBC small business credit risk management and analyses external and internal reasons of forming problems by analyzing all the figures of the Guangdong ICBC small business loans in recent years. Then, the paper proposes design goals and ideas of the Guangdong ICBC small enterprise credit risk management system combined with management practices. Based on this study, we build a better credit risk management system for the Guangdong ICBC, which includes small business credit rating system, small business credit granting management system, small business mortgaged or collateral property evaluation management system and small business credit risk monitoring system. Finally, in order to ensure the implementation of small business credit management system in Guangdong ICBC, we proposes corresponding measures from the four aspects which consist of organizational structure, human resource management, credit risk management culture and financing product innovation.This paper makes a certain contribution to solving the existing problems of small business credit risk management and building risk management mechanism consistent with its own characteristics in Guangdong ICBC. While it promotes Guangdong ICBC in maintaining total growth of small business credit, and prevents credit risk and keep the assets safety and profitability. Meanwhile, this research also have a certain reference value for small businesses credit risk management in other commercial banks.