Credit Strategy Improvement Of Commercial Banks' Risk In Security Chain

In recent years, our country implement the loose monetary policy to resist the global financial crisis, commercial banks also respond to the call of the state actively, and take the positive marketing strategy for credit companies. But because of the information asymmetry between the bank and the enterprise, the bank in order to control the credit risk often put forward more stringent credit conditions into the enterprise. These conditions make some of the development prospects, and those play important role in support the local economy small and medium enterprises (especially private enterprises)shut out. It also becomes an important aspect of the economic development of our country. The relevant data show that the proportion of the listing Corporation in China is more than 70% of the loan guarantees. Many enterprises can not meet the bank's credit guarantee requirements, but had to give up a favorable investment opportunities. In order to gain more confidence of the bank, most of the small and medium enterprises will choose to find the guarantee companies for financing, and most of them choose the way of joint guarantee or mutual guarantee. With the increasing pressure on the economy of our country, some industry risk gradually revealed, domestic real economy by impact, cause the problem of enterprise guarantee chain gradually exposed. Influenced by the external economic situation and the internal management not standard and other factors, some companies capital chain rupture. And thus touches the guarantee compensation Domino, a large number of short term security related enterprises have an emergency. Some of the weaker solvency of small and medium-sized private enterprises have their claims by creditors, stop lending or reduce lending, lead some companies into the edge of bankruptcy directly. The similar situation occurs not only in Jiangsu, Zhejiang and the southeast coast, also occurs in Shandong, Hebei, Henan and other provinces and cities. Only Henan province has experienced a number of major sudden risk events such as the Zhengzhou aluminum, floating security group and other security chain risk. The risk of guarantee chain has characteristic such as spread fast, have strong impact force and influence wide area. The risk of the guarantee chain not only endanger the local real economy, but also has huge impact on the formation of bank funds.This article through research on the background of guarantee chain, reasons for the risk of guarantee chain, present situation of the development of guarantee chain, the impact of guarantee chain risk on credit strategy of commercial banks, the resolve measures of guarantee chain risk, how to improve the credit strategy of commercial bank, and so on, ultimately to help commercial banks to effectively resolve the security chain risk, in order to promote the stable operation of commercial banks' credit assets, for sustainable development of the credit business of commercial banks.