The Case Analysis Of Cai Yuan Xin Dai Tong's Risks Of N Bank In Jiangxi Province

In recent years,the small and medium sized enterprises have developed rapidly,so do the scale,and they have made important contributions in solving the employment,tax revenues and the invention patent,gradually become irreplaceable role in social and economic development?However,with its economy of outstanding contribution for the society is extremely disproportionate,the financial services of small and medium sized enterprises is limited.To change the status,China has made many policies,from the fiscal and taxation support and financial services and so on,to support the small and medium sized enterprises.The Jiangxi provincial government in order to support the development of the small and medium sized enterprises,make the leverage of financial capital play a better role,try to cooperate with banks in 2013,has launched CaiYuanXinDaiTong financing model creatively,and in 2014 comprehensive promotion coverage to the province's 100 industrial parks,now the business gradually become one of the features of financial support to small and medium sized enterprises development of Jiangxi province credit business.In order to promote the sustained and healthy development of the business,the paper analyzed the risk of the business from the perspective of commercial banks,taked N bank for example,analyzed the N bank's CaiYuanXinDaiTong risks and its causes,and what measures the N bank and the government have taked in riskprevention in Jiangxi were discussed,has provided experience to other commercial banks in prevent the risk of CaiYuanXinDaiTong.Before analysis the case,this paper introduces the economic and policy environment in Jiangxi province and the model of CaiYuanXinDaiTong,then analyzed the present situation of CaiYuanXinDaiTong in N bank,compared with the whole province's situation.And discussed the CaiYuanXinDaiTong in detailed,got the conclusion: the macroscopic and microscopic aspects are the business major risk factors at present.In the macroscopic aspect,the macroeconomic downturn and the impact of interest rate market.The microcosmic aspects include the insufficient margin of the compensation risk,park government interest preference,loan enterprise credit problems and N bank internal risk,operation risk caused by insufficient attention.Combined with the behavior of the stakeholders in the financing framework to analyze the reasons for the formation of this business risk,not only related to the existence of contract design defects,but also with the poor basement of small and medium sized enterprises credit and the bank internal risk control measures are not in place.At last,financial risk prevention recommendations were given from the government and the bank two aspects to this business.The government as policy makers should encouraging multiple security,strengthen the supervision of the administrative committee of the park,selective support enterprise development and establish a blacklist management mechanism to optimize fiscal park pass credit financing model.The bank should promote integrated service platform,develop process management and internal control measures,establish effective interest rate pricing mechanism,reasonable set business goals and strengthen the quality and bonding company five aspects to enhance the quality of CaiYuanXinDaiTong,reduce business risk.