Research On Risk Management Of Small Business Loans In Baoshang Bank

In China,small enterprises has an extremely important position.By the establishment of small enterprise risk management system,lag of financial supply,narrow channels of financing and Financing bottleneck will be solved effectively in the process of small business.It will provide for the development of small enterprises booster.By the exploration for small business risk management system and enhancing the bank's credit risk management capabilities,it has important theoretical value and practical significance to China's commercial bank risk management.Based on risk management theory and domestic causes of the risk analysis about small business loans,analysis of small business loans in BSB,we study risk management practices of BSB small business loans,established a set of features for small business risk management system.Basic conclusions are as follows:First,strengthen the system of risk management awareness,building comprehensive risk management system.Second,we should learn from the advanced risk management methods,and actively explore new risk control techniques and tools.Third,Forming a "positive incentive-based" evaluation system.Forth,establishing a multi-level team of experts to strengthen the full awareness of risk management.Fifth,strengthen the relevant breach information disclosure policies and legal support.Sixth,relevant departments should strengthen financial supervision,maintaining order in the formal financial.Seventh,creating a sense of common citizenship of credit,establishing of credit social.