The Guangxi G Bank "Educates Micro-Loan" The Risk Control Reserch

Small micro-enterprises(SMEs)have always occupied an important position in our national economic system.They play an important role not only in system and mode innovation,but also in increasing employment opportunities and maintaining social harmony and stability.The SMEs involve all walks of life.Private education industry is one of the representative industries in which SMEs involve people's livelihood.Since the State promulgated the Law on Promotion of Private Education at the end of 2002,which encourages social organizations or individuals to organize activities of schools and other educational institutions for the society,private education has developed rapidly,and a large number of private kindergartens and primary and secondary schools have emerged.However,with the impact of the macroeconomic downturn in recent years,SMEs in some industries have emerged a concentrated outbreak of risk,such as forestry and steel industry,so that banks have suffered varying degrees of losses.Therefore,the credit risk control system of SMEs is an important guarantee for the healthy and sustainable development of the loan business of SMEs.Since 2010,Guangxi G Bank has been actively innovating the credit business of SMEs.In 2016,it began to transform the credit business of SMEs,and developed the "education micro-loan" which is suitable for the market demand.Therefore,the research on the risk control of "education micro-loan" is of great practical significance not only to the sustainable development of credit business of SMEs of Guangxi G Bank,but also to the credit business wind control of other commercial banks in private education industry.Starting with the risk control theory of micro-credit,this paper analyses the current risk control situation of "education micro-loan" in the loan of SMEs of Guangxi G Bank,points out the problems existing in the three links of pre-loan investigation,loan approval system and post-loan management in the process of risk control,and makes relevant analysis on the causes of these problems.Finally,according to the problems existing in the risk control system of "education micro-loan" of Guangxi G Bank,this paper puts forward three strategies to optimize the risk control of "education micro-loan":Establishing professional pre-loan team and optimizing loan approval system,improving post-loan management mode and innovation.