The Research On Small And Micro Businesses Credit Risk Manegement Of CCB Shanxi Branch

Abstract:The bank as a financial institution highly specific, it is in the process of normal operation are often faced with the different types of risks, the credit risk is the most prominent. Especially in the Small and micro businesses loans, due to the special nature of Small and micro businesses, the Small and micro businesses risk in lending to control more difficult. Therefore, the risk management of commercial banks Small and micro businesses credit business, has important practical significance for commercial banks.In this paper, the Construction Bank of China Shanxi branch as an example, the risk management of Small and micro businesses credit business of. Firstly the domestic and foreign research on credit risk is summarized, the Small and micro businesses credit concept, characteristic as well as the paper used in the asymmetric information theory, enterprise life cycle theory, credit rationing theory, transaction cost theory. Secondly, introduces the current situation of Shanxi branch of China Construction Bank Small and micro businesses credit business. The macroscopic environment analysis Small and micro businesses credit business faces to the Shanxi branch of China Construction Bank and micro environment, and the Construction Bank of China Shanxi branch Small and micro businesses credit risk management present situation and management situation analysis. Once again, the Shanxi branch of China Construction Bank Small and micro businesses credit risk identification is analyzed, including the pre loan investigation of risk identification, risk identification and management supervision and inspection mechanism of risk identification risk identification, credit rating, credit risk pricing mechanism.On the basis of the above analysis, this paper put forward the countermeasure of the Shanxi branch of China Construction Bank from two aspects of business processes and management mechanism to improve the management of credit risk Small and micro businesses. Including the business process of risk management measures:diversified information collection, strict loan before the review; the introduction of international advanced rating tools; inspection efforts and improve risk early warning mechanism increase the credit; strengthen the monitoring and auditing mechanisms; improve the credit risk management and the risk of digestive system. Including the management mechanism of risk management measures:optimize the credit product design, rich service system; strengthen the credit officers inauguration, exit and rotation system; construction of risk management information system; credit business organization structure reform Small and micro businesses, optimize the organizational process; the establishment of risk prevention culture excellent.