Research On Small Micro Enterprises Credit Risk Prevention Of Changchun MinSheng Bank Branch

Small and micro enterprises is an important part of our national economy, andthe current number of small and micro enterprises have accounted for99%of thenumber of domestic enterprises, creating industry accounts for approximately60%ofour gross domestic product, accounting for about50%of the total national taxrevenue while small and micro enterprises also for the community to create a lot ofjobs. However, due to the small and micro business of high-risk, long-term small andmicro enterprises facing "financial difficulties" of the problem, which has restrictedthe development of small and micro enterprises the key. Commercial bank creditbusiness is our most important corporate financing, commercial banks themselves arealso important ways to profit. China Minsheng Bank, as the first major private capitalto set up a national commercial bank, with its business model closer to the marketpioneered the development of small and micro-enterprise credit strategy, in a fewyears time the small and micro business continues to make bigger strong, andachieved remarkable results. However, in a dazzling performance, small micro-creditbusiness risk prevention Minsheng Bank, there are some pitfalls and problems. Theseissues contribute to help small and micro credit Minsheng Bank to avoid greater risks,China’s financial sector reform is entering deep water, Minsheng Bank’s uniquebusiness model and business development model, regardless of its success or failures,has an important reference value. I hope this will give in under the reform of largestate-owned commercial banks and emerging local commercial banks and the gradualnormalization of private lending to make some reference to the small and micro creditrisk prevention.In this paper, the case study method, the actual situation of China Minsheng Bank Changchun Branch of small and micro credit operations for a detaileddescription. Minsheng Bank Changchun Branch through small micro-creditoperations in the depth research. In the study, there are some problems graduallyMinsheng Bank Changchun Branch of small and micro credit business. Literaturereview of the use of the method, to combine the contents of the relevant literature oncommercial bank credit operations, by comparison with the success of domestic andforeign commercial banks, small micro-credit business case, draw the causes of theirproblems. According to the theory of modern commercial banks, Minsheng Bankthrough a comprehensive analysis of the actual situation and the theoretical analysis,starting from the causes of the problem, come to the program and countermeasuresending problem. I believe these programs and countermeasures to help MinshengBank Changchun Branch branches nationwide and even eliminate some of the smallmicro-credit operations hazard risks.Through a large number of case studies and literature, this paper summarizes theMinsheng Bank Changchun Branch in the conduct of the business of small and microcredit problems are small micro-credit risk prevention system is imperfect, low riskprevention efficiency, small micro-credit operations staff Management potential risks,product homogeneity serious competition. According to modern commercial bankrisk prevention theory, these problems are the result of Minsheng Bank’s own reasonand objective factors combined effects of Changchun area. According to somecommercial banks successful case studies, Minsheng Bank Changchun Branch creditproducts through improved marketing strategy in Changchun area, the establishmentof a more scientific and effective feedback mechanism, establish a human resourcepolicy and small micro-credit business matches, strengthen small improvemicro-credit products and services innovation, etc. Part of the problem MinshengBank Changchun Branch at this stage, so that small and micro credit business into anew level.