Research On The Reconstruction Of Risk Prevention And Control System Of Small And Micro Enterprise Credit Business In GHS Branch

In recent years,the state vigorously support the development of small enterprises,but as the macroeconomic volatility,GHS defective rate rising branch of small credit business,business development to a halt,and the trade of small Banks tyrone bank through the "relational" risk prevention and control system,the ant gold served by closed-loop platform of data control,has achieved good result,provides the G bank risk control system reconstruction.System to sort out the latest research results at home and abroad is presented in this paper,on the basis of using the credit rationing theory,information asymmetry theory,risk management theory,through the classic management analysis tools such as SWOT,PEST,in accordance with the "found the problem-analysis problem-problem solving" train of thought for research.The problems have been found,the system analyzes the GHS branch of small micro enterprise credit business risk control present situation,discovered the bank compared with the average bank,trade,loan defective rate is higher,the risk prevention and control system existence ability is low,not adapt to the business development,the problems of high cost,high customer hidden costs.In analyzing problems,first of all,analyses the cause of the problem,the subjective reason is that the bank of the "soft information" survey,the use of information technology to identify risk ability is weak,objective due to the small micro enterprise commitment shall basis difference,risk identification mainly to obtain the high cost of "soft information",cannot explain GHS branch through the "labor intensive" relational loan to expand;Followed by environment analysis,using PEST analysis on policy,economy,technology,social environment was analyzed,and the trade of four kinds of risk prevention and control system has carried on the comparative analysis,through the SWOT analysis found that the "gold" settlement data,data mining potential,channel ability strong advantage,and on the basis of which the strategy choice of SO.In problem solving,the use of simple,perfection,innovation,the concept of pratt&whitney,through an open,cooperative and win-win principle,to reduce the credit risk,and promote business development,the purpose of reduce business costs,improve customer experience,put forward the "central intelligence +grass-roots unit" of risk prevention and control system,through the central intelligent computing ability,take advantage of huge amounts of data,through the grass-roots unit survey soft information,carry out mass and integrated marketing,is expected to reach anticipated goal,helping the bank to "intensive" wisdom transformation;The end of the article put forward to change ideas,strengthen organization safeguard innovation,optimization of risk control mechanism,improve the evaluation mechanism of the security measures,for the smooth implementation of the new risk prevention and control system.This article in using the latest research results at home and abroad,on the basis of systematic analysis of GHS branch of small micro enterprise credit business risk control situation,again through the analysis on the risk control of subjective and objective reasons,on the basis of the comparison,on the basis of environment and trade,through the SWOT analysis that includes the internal and external factors,design the bank's small micro enterprise credit risk prevention and control system of the business,but also puts forward the safeguard measures,for the effective implementation of the risk prevention and control system.The possible contribution of this paper is to provide the latest data and the actual situation in the new economic situation,and have some reference significance to the research of the credit theory of small and micro enterprises.Secondly,the risk prevention and control system of the"central intelligence plus grassroots subdivision" is put forward,which enriches the risk prevention and control system of small and micro enterprise credit business.