Research On Risk Management Of Z Bank "Help Enterprises Loan" Products Based On The Principle Of Organizational Credit

Small micro-enterprise is an important part of national economy and social development,which plays an irreplaceable role in promoting economic growth,promoting employment and innovating science and technology.But at present,small micro-enterprises in our country are confronted with a series of difficulties which have seriously affected their existence and development,such as high cost,high tax burden,difficult employment and difficult financing.In response to this situation,the State has promulgated the relevant preferential policies to support and promote the normal and healthy development of small micro-enterprises.In this situation,the Bank of Z through the introduction of government letter-adding,innovation introduced small micro enterprises "to help enterprises lend"credit products,hoping to alleviate the small micro-enterprise mortgage deficiencies and financial institutions loan threshold too high.The"Help-Enterprise Loan" product is by the Z Bank and the government to sift the quality small micro-enterprises into the pool,based on the provision of a small amount of collateral security,the Government to provide a certain proportion of risk compensation funds,enterprises to pay a certain percentage of help-Qi as a means of increasing credit,from Z Bank to the "small micro-Enterprise pool" in the lending business loans."Help enterprises to lend" products can improve small micro-enterprises loans difficult,high loan costs,but also to the banks to bring a lot of quality customers.The most notable feature of the product is the use of the "Big Data Principle" and "the principle of the organization of credit".This paper uses the fuzzy analysis method to carry on the risk management research to "help the Enterprise loan" product,will "help the Enterprise loan" the product risk to refine the recognition,and judge its important degree.According to the result of the identification of the risk,it is found that the main risk factors that affect the "Help-enterprise Loan" products are 3,namely:Market risk,credit risk and operational risk.According to this conclusion,the regression model is used to evaluate and judge the impact of various factors on the risk of "assisting enterprises and lending" products.Aiming at the defects of risk control of "assisting enterprises and loans" products,this paper puts forward the shortages of products in market risk control,credit risk control and operation risk control.The government guarantee in the product of "assisting the Enterprise loan" is the practical application of the principle of the organization credit,from the establishment of customer evaluation system,guarantee system maintenance and operation system optimization three aspects to "help enterprises and loans" product specific risk management proposed measures,hope to the same financial institutions to develop small micro-enterprises credit business to provide ideas and reference,For small micro-enterprises decompression,help small micro-enterprise growth.