The Research On Credit Riskof ABC T Branch

According to "The Opinion about the Implementation of the Financial Support for the Real Economy" issued by the General Office of the State Council in 2013(August 7th,2013),the fundamental task of the financial support for the real economy was to attach importance to the financial services for small and micro enterprises.It was related to the social employment,and the economic and social development.In addition,on the basis of seven aspects such as the innovation of service forms,the strengthening of information services,and the development of small financial institutions,it put forward some guidelines.According to "The Guidelines on Deepening the Financial Services for Small and Micro Enterprises" issued by CBRC,it was emphasized to take the interests of small and micro businesses as the core,be focused on the financial support for the overall objective of the real economy,reduce the loan condition for small and micro businesses appropriately,enrich the financial services for small and micro enterprises,and further expand the breadth and width of the financial services for small and micro enterprises.In addition,it also put forward a series of specific measures,which reflected that CBRC had always attached great importance to the financial support for small and micro enterprises.The T Branch of the Agricultural Bank of China is a leader of the financial industry in T City.It has the largest asset size and the the largest customer group.And its level of information services is highest and its service channels are also most ideal.After launching the loan business for small and micro enterprises,although the branch experiences a long period of rapid development,a series of problems also inevitably appear,such as risk accumulation,insecure foundation,and insufficient potential.Also,they become more and more prominent.How to improve the financial service quality and efficiency of the branch for small and micro enterprises,and how to improve the credit risk control and profitability of small and micro enterprises,are the practical problems to be solved in the financial services of the branch for small and micro enterprises.In this paper,it reviewed and summarized the theory and the research trend about the bank credit risk management.By combining the status of the bank credit risk in China,itdiscussed about the detects in the bank credit risk management in China.It analyzed and studied the actual case about the credit management of the branch for small and micro enterprises to draw some experience and lessons so as to provide some reference for the further research.In addition,it discussed about the main specifical defects as above,and put forward some effective solutions.Through the study of this paper can get the following conclusions:(1)The credit business of the branch for small and micro enterprises helped the company get great returns.However,there were still many non-negligible problems in the actual risk management that restricted the further development of the credit risk business of the branch for small and micro enterprises,such as the fewer credit service specialists for small and micro enterprises,the imperfect service risk management and control system,and the unsatisfactory risk management quality and efficiency.(2)The Efficacy Coefficient Method,the AHP Analytic Method and the GM(1,1)Gray Forecasting Method were used in the paper to build the credit risk early warning system of the branch for small and micro enterprises.On the one hand,through the application in the branch,it was testified that this system could be used for the quantitative evaluation on credit risks for small and micro enterprises.On the other hand,it could provide an accurate credit risk early warning for small and micro enterprises,which could reduce the incidence rate of the banking credit risk for small and micro enterprises.(3)To implement smoothly the credit risk early warning system for small and micro enterprises in the paper,it discussed about and put forward some specific safeguard measures from the guarantee of the professional personnel cultivation,the introduction of the new credit risk management technology,the establishment and perfection of the banking credit risk management mechanism,the perfection of the credit evaluation system,and the consolidation of the credit risk management and control cognitive level.