Study On Risk Management Pattern Of Group Lending Of Chengdu Rural Commercial Bank

Group lending is a kind of new loans.For the small and micro businesses, merchants, farmers and commercial banks,it is very important.On the one hand,it makes up for the defect which the small and micro businesses, merchants, farmers have no collateral; on the other hand, by using the system of mutual supervision among members, it effectively reduced the risk of bank loans.It helped commercial banks to develop the market of small and medium enterprises.However, because Group Lending has its own defects, so there are inherent risks.The research object of this study is risk management model of group lending.The basis for this study is the practice which Chengdu Rural Commercial Bank do the business of group lending.This paper will study on the risk management of group lending.First,this paper will briefly introduce the products of group lending and risk management model of group lending of Chengdu Rural Commercial Bank.Chengdu Rural Commercial Bank lend the group lending,which has helped farmer and business owners who are in need of capital for their production and business activities,security team consists of more than three farmers or enterprises who assume liability and mutual responsibility on each other to make up a body of joint security.Second, find out the problems about risk management model of group lending of Chengdu Rural Commercial Bank,and analyze the causes of the problem by using theory tools;At last,this paper will put forward measures to improve the risk management of group lending of Chengdu Rural Commercial Bank, on the basis of the successful practice experience of group lending in the domestic bank.Through this research,conclusions are as follows:The causes of the problem about risk management model of group lending of Chengdu Rural Commercial Bank mainly in the following aspects:First,information inequality between the two sides;Second,the principal-agent mechanism is not perfect;Third, lack of technological innovation of risk management;Fourth,lake of culture of risk management;Fifth,the credit environment is not standardized.Through the study of the successful practice experience of group lending in the domestic bank,the measures to improve the risk management of group lending of Chengdu Rural Commercial Bank are as follows:First, standardize risk management system of group lending, enhance the ability to resist risks. Second, innovate joint guarantee way against systemic risk.Third, strengthen the examination and approval management after loan against moral risk. Fourth,construct risk management culture, restrain the credit behavior of employees.Fifth, strengthen cooperation with the government, to construct good credit management system.This research,hopefully,might contribute to the study and exploration in this field,trying to manage the risks concerned and promote the healthy and fast development of the market of group lending.