Study On Credit Risk Management Of Small And Micro Enterprises In Jinan Branch Of BH Bank

With the development of comprehensively deepening reform,the adjustment of shifting of national economy growth,and the continuous digestion of previous stimulus policies,the status of small and micro enterprises in national economic development highlights gradually,and it plays an irreplaceable role in many aspects,such as absorbing labor force,promoting market competition,driving scientific and technological innovation and economic development and so on.Although there are many policies supporting the development of small and micro enterprises,the development of small and micro enterprises is restricted by many aspects because of its own particularities,such as single product structure,unsound financial mechanism,chaotic personnel management and so on.However,financing problem of small and micro enterprises is the most important issue.Finance supporting the development of small and micro enterprises and banking industry improving the level of servicing small and micro enterprises are the important measures to deepen the supply-side structural reform and speed up the transformation of new kinetic energy,which are also powerful actions to thoroughly implement the spirit of national financial work conference,practise the concept of inclusive finance and service the substantial economy.Since its establishment in 2008,Jinan branch of BH Bank has been innovating in the aspects of credit products of small and micro enterprises and financial services,which powerfully supports sustainable and rapid development of small and micro enterprises.In 2016,with the double pressure of downward national macro economic cycle and tightened bank liquidity,the risk of small and micro enterprises appeared concentrated outbreak.As a result,it is important and necessary to improve credit risk management system of small and micro enterprises,which becomes the priority.First of all,the paper defines the concept of small and micro enterprises and describes the theory of information asymmetry and the theory of credit rationing commonly used in credit risk management of small and micro enterprises based on consulting a variety of references from home and abroad about credit risk management of small and micro enterprises in commercial bank,which establishes theoretical basis for later research.Secondly,the paper briefly introduces the present situation of credit risk management of small and micro enterprises in Jinan branch of BH Bank and analyzes credit risk management system of small and micro enterprises in Jinan branch of BH Bank from the perspectives of organizational structure,rating system,pre-loan management,loan management and post-loan management in order to systematically organize regulations involved in credit risk management of small and micro enterprises.Thirdly,the paper summarizes that Jinan branch of BH Bank lacks developed dynamic monitoring of industry risk,pays little attention to enterprise transactions and implements inappropriately actual operating condition in pre-loan existed in the pre-loan survey link,the credit review link and post-loan management links by analyzing credit risk events of small and micro enterprises in Jinan branch of BH Bank in order to analyze management loopholes of Jinan branch of BH Bank in the aspect of credit risk management of small and micro enterprises.Eventually,the paper summarizes practical suggestions from four aspects:the organizational structure construction,the credit risk management system construction,the credit business operation model adjustment and the the credit product research and innovation in terms of credit risk management problems of small and micro enterprises existed in Jinan branch of BH Bank in accordance with advanced management measures in the aspect of credit risk management of small and micro enterprises in Wells Fargo Bank and Minsheng Bank and corresponding enlightenment from experience to improve the level of credit risk management of small and micro enterprises.The first one is to put forward specific means to establish inclusive finance department and to optimize the credit organizational structure and business process of small and micro enterprises.The second one is to put forward specific measures to construct the risk early warning system of small and micro enterprises and to improve the customer credit rating system.The third one is to put forward adjustment suggestions in terms of the developmental model of industrial cluster,financing model of supply chain and cross-selling model of stock customers.The fourth one is to put forward two products innovation schemes:"political bank-assurance" and "bank tax cooperation" to look forward to promote the level of credit risk management of small and micro enterprises in Jinan branch of BH Bank so as to improve the innovation and development of small and micro credit business by the suggestions from the four aspects.