Research On Information Screening And Management Of Small And Micro Credit Business Of Hainan Branch Of Bank C

Small and micro businesses are an important part of China's economy and play an irreplaceable role in promoting employment,economic growth and scientific and technological development.As the state and government continuously strengthen the credit support to small and micro enterprises,commercial Banks have increased the credit supply to small and micro enterprises.However,due to the operation characteristics and credit risk characteristics of small and micro enterprises in China,there is a significant information asymmetry between Banks and enterprises,and the traditional credit screening mechanism of commercial Banks has been difficult to apply.Paper uses the combination of empirical and normative research methods,from the perspective of commercial bank,analyzed our country commercial bank small micro enterprise financing present situation and the existing problems,and points out that information asymmetry is small micro enterprise is the cause of credit rationing,through the perfect small micro enterprise information-discriminating mechanism can effectively alleviate the information asymmetry so as to solve the problem of small micro enterprise financing difficulties.To the commercial Banks to small micro credit information screening mechanism better summarized the main problems and solutions,the paper selected C bank branch information identifying management of hainan province as the research object,the C bank branch of hainan province small micro enterprise credit information screening technology and application,points out that the C bank branch of hainan province small micro enterprise credit information screening mechanism information-discriminating mechanism one size fits all,relying too much on guarantee with single source of information support,new screening technology is not mature,before the loan light after loan,etc.Finally,on this basis,the paper puts forward specific countermeasures to improve the information screening mechanism of small and micro credit business of C Bank in Hainan Branch from five aspects: first,implement differentiation strategy,establish a multi-level information screening mechanism;The second is to build an information exchange platform with external organizations to broaden the channels of information sources.Third,improve the information discrimination ability of commercial Banks and reduce the excessive dependence on collateral;Fourth,enhance the application of new screening technology,innovation of small and micro credit products;Fifth,pay attention to the information screening after the loan,improve the risk management mechanism after the loan.