Research On Risk Management Of "Bao Dai Tong" Credit Business In Bank Of Jishang

With the rapid development of our economy,the economy has entered a new normal,and the role of small and medium-sized enterprises in China's economic development is becoming more and more important.However,SMEs enterprises have a large limitation,enterprise scale,management ability and economic strength,etc..So small and medium-sized enterprises are subjected to the strict loan control of the Banks in the course of development,and they are always subject to problems such as financing difficulties and funds shortage.In recent years,the government has paid considerable attention and support to SMEs,increased the support of SMEs,and led to policies and policies such as policy support and financial loans,and the risk of small and micro enterprises' credit business has been increasing.So the credit risk management of commercial Banks has become especially important.In this paper,the research on the risk management of the “Bao Dai Tong” credit business is studied,and the risk prevention and control level of the credit business risk management of Jishang bank is promoted,and the significance of important practice is provided,and the reference and reference of the credit risk management of SMEs are also provided.Based on the analysis of the current situation of the “Bao Dai Tong” credit business of Jishang Bank and its risk management,this paper analyzes the problems in the risk management of the credit business before,during and after the loan based on the financing guarantee theory and information asymmetry theory,and finds and summarizes the problems in four aspects.First,the qualification of financing guarantee companies for admittance is uneven.Jishang Bank does not regard admittance qualification of guarantee companies as the focus of risk prevention.Second,the risk management process has not been put into place,and the credit business process of "loan guarantee link" has become a mere formality,violating the principle of strict examination.Third,the channel of information transmission is not smooth,the sponsor bank cannot timely grasp the information,and the customer manager cannot timely obtain the information of the financing guarantee company;Fourth,there is a lack of dynamic risk control and management of the "Loan guarantee Link" credit business.The small and medium-sized enterprises department of the bank cannot dynamically prevent and control risks without participating in the risk control of the guarantee company.At the same time,the bank lacks dynamic risk early-warning mechanism.In view of the above problems,according to the business process and risk management methods of the credit business of Jishang Bank,the main reasons for the problems are analyzed in three aspects: lax examination of the access of financing guarantee companies,lax examination of the financial statements of guarantee companies,and incomplete early warning analysis of their underwriting capacity;Information asymmetry between Banks and enterprises and between Banks and credit personnel leads to the outbreak of many risks.Lax control of credit business operators,uneven level of business personnel,excessive pursuit of business growth,and strong voice of guarantee companies in the face of credit officers make the management process not in place,which increases the loan risks of small and micro enterprises.Based on the analysis of the current situation,problems and causes of the "Bao Dai Tong" credit business of Jishang Bank,this paper puts forward relevant measures for the risk management optimization of the "Bao Dai Tong" credit business of Jishang Bank.First,strictly examine the access links of guarantee companies.In the process of access review,guarantee companies improve the efficiency and accuracy of information collection through internal and external channels.Second,conduct independent screening and classification of each business,and carry out due investigation on the risk of borrowing enterprises and financing guarantee companies respectively;The third is to optimize the risk control process of "Bao Dai Tong " credit business,and strictly examine the management system of pre-credit investigation,in-loan management and post-loan management in the credit process;Fourth,improve the risk control ability of credit personnel,strengthen the training of relevant staff,implement the client manager exemption mechanism,improve the professional credit personnel and team stability.