Study Of Turnover Loan Pledge Tracing System On Small And Medium-sized Enterprises In CCB Qingdao Branch

As the experience of domestic and foreign economic development shows,numerous small and medium-sized enterprises play an important role in the economicdevelopment. China Construction Bank Qingdao Branch firstly focuses on small andmedium-sized enterprises with an increase of nearly6times of non discount loanbalance breaking through12billion. While with the business expanding, ChinaConstruction Bank Qingdao Branch’s growth of small and medium-sized enterprisesfinancing slows down. Post loan management of small and medium-sized enterprisesbecomes more and more difficult as their credit risk cases breaking out and defaultrate of credit assets growing up. This paper introduces China Construction BankQingdao Branch’s development of small and medium-sized enterprises business fromthe bank’s small and medium-sized enterprises business overview, the presentfinancing situation of small and medium-sized enterprises, latest credit processes, riskcontrol process, and so on. This paper selects small and medium-sized enterprises ofChina Construction Bank Qingdao Branch A Sub-branch as study subjects. After apreliminary understanding of the bank’s present situation of small and medium-sizedenterprises’ credit assets in Qingdao, this paper summarizes causes of high delinquentrate of small and medium-sized enterprises business loans by data analysis in sampleof A Sub-branch’s small and medium-sized enterprises credit businesses. Byanalyzing the causes of high delinquent rate with domestic and foreign banking riskmanagement theories, this paper puts forward countermeasures and suggestions ofestablishing pledge tracking system on small and medium-sized enterprises businessloans on the basis of existing risk control system.