Microfinance Of Jiangxi G Agricultural And Commercial Bank From The Perspective Of Credit Guarantee Insurance Research On Risk Control

The development of small and micro enterprises is related to the prosperity and vitality of China's economy,and is of great significance in promoting economic transformation and upgrading.Internationally,SMEs in the United States,Japan and Germany contribute about half to economic development and 60 to 70 percent to employment.From the practice of our country,since the reform and opening up,small and micro enterprises have occupied more than 90% of the main market operators,contributed 80% to the employment of the whole country,70% to the patent invention right,60% to GDP and 50% to tax revenue.At the same time,the high sensitivity of small and micro enterprises to the market also provides a price advantage for large enterprises,which is an important support to enhance the competitiveness of large enterprises.Therefore,the good development of small and micro enterprises is very important.However,due to the untruthful financial information disclosure,insufficient effective guarantee and high operational risk of small and micro enterprises,bank loans to small and micro enterprises face higher credit risk.Therefore,in order to increase financial support for small and micro enterprises,the first thing to be solved is how to control the loan risk of small and micro enterprises scientifically and effectively.Based on the case study of G Agricultural and Commercial Behavior in Jiangxi Province,this paper analyses the current situation of the loan business of small and micro enterprises,analyses the causes of non-performing loans of small and micro enterprises from three aspects: external reasons,small and micro enterprises reasons and banks' own reasons,and solves the problem of high credit risk of small and micro enterprises by introducing a third-party tool,loan guarantee insurance.This paper elaborates on the scheme design,feasibility and risk control measures of loan embedded guarantee insurance.We should strengthen the control of credit risk in small and micro enterprises from three aspects: before,during and after loans,strengthen the effectiveness of credit risk control in small and micro enterprises,consolidate the quality of small and micro credit assets as far as possible,and further alleviate the problem of small and micro "financing difficulties",so as to improve the quality of economic,financial and social development.? At the same time,it puts forward suggestions and suggestions on strengthening the support of national policies,improving the construction of social credit system,perfecting the laws and regulations system of guaranteed insurance in China,and improving the service level and business ability of insurance companies,so as to promote the smooth development of guaranteed insurance loans for small and micro enterprises.