Research On Risk Management Of Small Business Loan Of Jilin Bank

In the process of China's economic transformation and upgrading,small enterprises have played an increasingly important role in national economic and social development.They are an important force for stabilizing economic growth,expanding employment,improving people's livelihood,adjusting economic structure,and promoting innovation and entrepreneurship.However,the inherent characteristics of small enterprises,such as small scale,wide dispersion,weak management ability,and imperfect financial system,put them in a weak position in the process of market financing.The difficulty of financing small enterprises has also received widespread attention from the state and society.At this stage,bank loans are still the main channel for small businesses to obtain funding.In this context,this article takes Jilin Bank as an example,and based on the theory of corporate life cycle theory,and information asymmetry,it comprehensively applies literature analysis and survey analysis to analyze the risk management of small business loans.The research will provide a reference for commercial banks to continuously improve their ability to identify,analyze,and control the risk of small business loans,and help small businesses develop economically.This article takes the difficulty of financing small enterprises as an entry point,and introduces a series of policy and system reforms in China to alleviate the financing problems of small enterprises.As a local bank,Jilin Bank takes the strategy of "serving local,serving small and medium-sized enterprises,and serving people's livelihood" as its strategy Positioning and specially established a small business financial service center to facilitate small business financing.In recent years,overdue loans of small businesses have occurred from time to time,and loan risks have gradually been exposed,which has become a high-risk asset business with frequent risks.This time,by analyzing and researching the current situation of small business loan business development and risk management of Jilin Bank,the problems in the risk management of small business loans of Jilin Bank are mainly found in three aspects: market risk management,credit risk management,and operational risk management.When combing the risk management issues of market risk,credit risk,and operational risk in the small business loan of Jilin Bank,it is found that the main reasons leading to the problems in the above three aspects are: On the one hand,the issue of loans and the operation of small businesses Affected by external factors such as macroeconomic policies,interest rate policies,market competition,and industry status,market risk management capabilities are not strong.The main performance is the lack of counter-cyclical assets and loan pricing constraints on customer structure adjustment;on the other hand,the company's own factors such as its life cycle,business management capabilities,and financial analysis capabilities affect small business credit.The status and repayment ability have a direct impact.At the same time,due to the loopholes in the management of credit risk mitigation tools,it has made it difficult for bank loan risk management;In the third aspect,commercial banks conduct pre-loan investigations,mid-loan management,and post-loan inspections.Staff building,training,management,and assessment in all aspects of loan operations such as loan issuance and management are inadequate,and the ability of the credit risk management system to support the business and the ability to handle marketization of credit risks need to be improved.Based on the analysis of the causes of the problem,the following optimization Suggestions are proposed.First,in the face of changes in external environmental factors,commercial banks need to improve their ability to analyze and respond to macroeconomic policies,fully mobilize expert resources to strengthen their role in guiding industry analysis,and continuously improve their ability to price loans at risk.Secondly,strict customer access management,access to business information through multiple channels,reduce the impact of information asymmetry on asset quality,and strengthen the management of the effectiveness of risk mitigation tools.Thirdly,through the talent reserve and team building,the quality of the three checks on loans to credit personnel will be improved to prevent them from being in the form,and the scientific and technological system will continue to improve the support and control of business and reduce human intervention.Finally,for risk-forming loan businesses,it is necessary to make full use of preferential policies to continuously improve the ability to market credit risk and reduce the risk of small business loan losses.