Study On Micro Credit Of X Comercial Bank

Nowadays,micro companies in China have difficulties in financing,Which is very expensive.Influenced by game playing with enterprises and horizontal competition,commercial banks face a lot of risky factors in the aspect of micro credit.Improving management and risk control system of micro credit helps to relieve difficulties of financing for micro companies,develop the spirit of inclusive finance,push forward the development of market economics,enhancing public undertaking.In eagle of banking industry,micro credit has become a new profit point.Thus,it is very meaningful to study the procedures of micro credit in the aspect of risk control and efficiency.The essay introduces the basic development of micro credit,including the basic circumstance of bank,accomplishment of supervision goals,five level classification,overdue circumstances and risk characteristics,etc.The essay follows the all-through inner control of micro credit and summarize the problems.The procedures of micro credit include product development,sales,responsive investigation,examination and approval,loan origination,management after loan,management of overdue loans,report of risky events,internal audit,management of human resources,etc.The essay pointed out the problems as follows:difficulties of risk control enlarged by the sales pattern,requirement of pre-loan investigation loosen by using the work of intermediary;insufficiency in post loan survey;lack of feedback of risky message,ignorance of industry influences,unreasonable division,improper human resources management,insufficient information system management,etc.Through analyzing the existing problems of risk control of micro credit of bank X,the essay suggests risk control methods:marketing in large scale,improvement in pre-loan and post loan investigation,improvement of division organization,increasing intention on credits,daily communication of risk control,improvement of products,improvement of human resource,improvement of information system.As the largest local financial organization,Bank X sets an example for commercial banks.The essay takes X commercial bank as an example to study the basic circumstances of each procedure of micro credit,risky points and suggestion.Improving the procedure of micro credit helps enhancing the construction of risk culture,lowering the operational risk and credit risk,which sets an example for the banking industry to develop micro credit.