Study On The Dutiful Liability Exemption Problems And Countermeasures Of Bank A’s Non-performing Loans Of Small And Medium-sized Enterprises

With the deepening of reform and opening up,foreign advanced financial concepts have gradually entered China,which has greatly promoted the development of China’s financial industry.A bank as one of the five big state-owned commercial Banks,in response to national policy,also introduced some excellent foreign financial products and financial concept,among them,in order to promote the development of small and medium-sized enterprises,improve the sme credit,to control the credit risk of small and medium-sized enterprises(SMEs),introduced in 2007 from Singapore temasek "credit factory" pattern.The biggest difference between bank A temasek’s "credit factory" mode and conventional SME credit products is the proposal of "due diligence exemption",that is,"dereliction of duty accountability,due diligence exemption".Duty exemption system is designed to protect the enthusiasm of customer manager to develop small and medium-sized enterprise loan business,since 2009,banking supervision departments issued several documents require commercial Banks to set up A due diligence exemption system,and A bank temasek "credit factory" duty exemption product design concept and in conformity with the regulators of the proposed requirements,therefore,the product by the grassroots organizations and in the process of the early promotion of customer manager widely welcomed.Due diligence,however,it was found that exemption system encountered many difficulties during the implementation and difficult to perform and propulsion,with A bank branch in sichuan province as an example,since 2009 to carry out the small and medium-sized enterprise loan business,nearly 10 years without any non-performing loans of small and medium-sized enterprises related personnel is decided to do A disclaimer,this phenomenon has aroused the attention of this paper,and start thinking cause and what causes the due diligence liability has not been implemented,based on this,the use of information economics,this paper analysed the commercial bank non-performing loans of small and medium-sized enterprises due diligence of difficulties during the implementation of the liability,and puts forward the solutions.This paper argues that the cause of difficult to perform due diligence relief is various,on the one hand,because of the responsibility identification itself information asymmetry,cannot be confirmed,to verify the high cost and time efficiency is low,onthe other hand there are regulatory requirements,credit policy and realistic factors,if you want to further advance due diligence exemption,commercial Banks should use the power of the financial power from the products of science and technology,from institutional assessment,to foster customer manager team fully give play to the role of incentive mechanism,and to set up a sound system of duty exemption rules and mechanisms,a variety of measures comprehensive power to break the dilemma facing the due diligence liability,In order to stimulate the confidence of SMEs loan practitioners to expand business,to protect their enthusiasm,and ultimately to promote commercial Banks to improve the quality and efficiency of SMEs loan business,for the healthy development of the national economy escort.