Research On Risk Management Mechanism Of Micro Credit Business In Diaobingshan Branch Of Tieling Bank

For a long time,the financing difficulties is commonly encountered problems in the process of enterprise management,it is often difficult to obtain funding source on the continuation of life,when small and medium-sized enterprises in the face of the funding gap.With the development of the global economic slowdown,It became a national concern of small micro enterprise development and has become the current commercial Banks in the development of new opportunities.But in the initial stage of the micro loan,commercial Banks in credit risk control aspects of the business,in the face of asymmetric information,the problem such as guarantee,earnings,few Banks can effectively prevent and solve these risks,how to combine characteristics of the credit,the Banks themselves from improve the micro credit business internal control,this paper explore effective solutions,to improve the management level and risk prevention ability,enhance competitiveness and achieve steady growth,has important practical significance.In this paper,The Bank of Tieling Diaobingshan branch micro loan business risk management as the research object,using information asymmetry,information discrimination theory,analyzes the Bank of Tieling Diaobingshan branch of micro loan business of risk sources and risk management business,found the branch of diaobingshan is lack of risk management professionals,lack of a scientific credit rating method,the separation of approving become a mere formality,post-loan supervision on the surface,put forward to strengthen the construction of human resources,the introduction of credit rating system,to carry out the complete separation of approving,strengthen post-loan check the countermeasures such as collection,provide the theoretical basis for guiding the micro loan business,the bank of tieling,adjustable the branch of diaobingshan to prevent micro lending business field has important practical significance,at the same time provide a reference for other micro loan business of commercial bank development.