Research On Loan Risk Control Of Small And Micro Enterprises In Hohhot Branch Of Baoshang Bank

At present,China’s economy is in the "new normal" stage,which requires the guarantee of sufficient employment.However,the capacity of large and medium-sized enterprises in China to absorb employment is limited.Baoshang Bank began to develop small and micro enterprise loan business in 2005,and it is the first domestic joint-stock commercial bank engaged in small and micro financial services.In the 13 years since then,in the small and micro business loan business,Baoshang Bank has accumulated rich experience in product innovation,business development,risk monitoring,and post-loan risk management.However,in the face of China’s economic downturn,the development of and competition among the domestic banks’ small and micro enterprise loan business,and the emergence of P2 P online loan platform,the advantages o f the pioneering small and micro enterprise loans of Baoshang Bank have become increasingly weak.So,it is of great significance to carry out the study of risk control for small and micro enterprise loans.Based on the Hohhot Branch and the characteristics of small and micro businesses,this paper describes the problems existing in the development of risk control for the small and micro enterprise loans by Hohhot Branch of Baoshang Bank,and makes an analysis of the existing problems so as to find out the reasons.Finally,a feasible plan was proposed on how to effectively prevent risks and improve the qua lity of assets in Hohhot Branch.Although it is impossible to completely eliminate risks,risks can be pre-empted and risks can be pre-warne,hoping to provide effective suggestions for the development of risk control for the small and micro enterprise loans in Baoshang Bank Hohhot Branch.