Research On Risk Management Of Credit Loan To E-commerce Enterprises For Bank Of Changsha

Bank of Changsha is a commercial bank under the financial holding of Changsha City.In order to better serve local enterprises and meet the diversified financing needs of the market,Changsha Bank is engaged in the design and development of credit products facing B2 B business in Taobao,Tmall,Jingdong and other mature business platforms,B2 C e-commerce business operators,to ease the problem of financing difficulty of e-commerce enterprises in Changsha area.This thesis aims to study credit risk management of credit loan of Bank of Changsha to e-commerce enterprises,with related risk management theor ies of domestic and foreign industries,combined with its own experience of risk control ability.It transfers the business enterprise data flow(e.g.goods flow,logistics,capital flow and information flow)into the bank approved credit,to analyze customer operation ability,solvency,and future trend of development.Through the research on financing risk management of e-commerce enterprises,it develops measurements of e-commerce business loans approval.First,the current research on risk management of e-commerce business loans were reviewed,especially the present situation of the management of domestic commercial banks is analyzed.It puts forward the existing problems in the current research and application and the direction of further research.Second,based on theories of e-commerce business risk management,it analyzes the difficulties and causes of the credit management of the e-commerce enterprises loans in the light of the characteristics of commercial banks,especially Bank of Changsha.At the same time for the analyzed difficulties and reasons,it introduces advanced management models of domestic and foreign banks.Combined with the existing risk management model of Bank of Changsha,it designs e-commerce business risk management scheme for Bank of Changsha.Subsequently,the scheme is applied to the actual case of the bank,and the expected effect is evaluated.The research results of this thesis is of strong practical value for the development of credit loan of e-commerce enterprises by Bank of Changsha,and it is worthwh ile for commercial banks with similar scale and strategic positioning.