Research On Risk Strategies Of Small And Micro Credit Business Of Shengjing Bank

Small and micro businesses in the current economic force in the country,for our current economic growth,as well as innovative technology plays a vital role,but also provide more jobs,so that a substantial increase in the national tax revenue,but also the national economy lifeblood lies,but financing problems are serious problems with the development of small and micro businesses.Currently,because the business development and profit assessment of demand,many commercial domestic banks have also pay attention to the small micro-credit business,which as a key business,put a lot of group strength and human resources,in order to expect to be able to in a small micro-credit business share a standard soup.However,since credit risk,credit development banks also faltering.Small micro-enterprise credit risk if not strict management,it will seriously affect the healthy growth of the loan business.Therefore,scientific and effective management of small micro-enterprise credit risk is a necessary condition for China's commercial banks want to expand small and micro credit.In this paper,risk management theory as a starting point,based on domestic commercial banking experience in risk management,the design of small and micro enterprises credit model.In practice,some banks are also often used in the operation of this model,the effect is better.However,because of the small micro-finance in China has just started,the lack of bank credit risk management experience in small and micro enterprises,as there is no reasonable management structure,the lack of specific internal credit rating,After analyzing the feel,the reason for these problems is by a variety of factors,including their own,the policy environment,as well as the bank three aspects.For the current risk management experience in commercial banks on small and micro credit to summarize,to identify the problems in the management of credit,bank paper Mukden as the research object,analyzing the current development of the bank small micro-credit business,and they have accumulated successful experience,and noted that the current small micro-credit risk management Shengjing Bank lingering problems from working capital loans and fixed asset loans in terms of both the root causes of the problem in-depth analysis.Finally,the various issues listed in the article above text is based on the pre-loan investigation,loan origination and post-loan management in three stages,to Mukden bank risk management in the development of small and micro-enterprise credit on its own proposals and countermeasures.