The Research On Credit Mechanism Of Small-Medium Enterprise Of ICBC

More and more concentration has been placed on the credit business of small-medium enterprises by domestic commercial banks, with these enterprises acting as the more important roles in country economy. The credit mechanism of small-medium enterprises has become important and hard direction of study for banks in field of credit. As a bank with biggest asset , The aim of study of Industrial and Commercial Bank of China (the following is ICBC for short) of small-medium enterprise credit mechanism is to establish the more operational strategy system of credit for small-medium enterprises, which help banks not only to decrease financial risks furthest but also to gain the most benefit.The main question existing in loans of ICBC is lack of the small-medium enterprises credit mechanism from realism. In most instance zoology condition of holistic credit has not been improved, banks trend to credit rationing in markets with imperfection information , moral risks and converse choice, which will gestate more scale and more level risks of management. Therefore the necessary choice of ICBC is to improve the credit mechanism and explore small-medium enterprises credit market. It includes building a complete set of mechanism of credit evaluation , credit risk control and high quality credit marketing.Reshaping credit evaluation mechanism, building and completing the system of credit ratings and credit risk assessment; using the experiences of effected techniques and measures of Japanese and Korean commercial banks for reference, improving the efficiency of organized structure of credit management, establishing the distinguished standard of high quality market and designing efficient strategies of small-medium enterprises marketing; building zoology series of clients management, offering specialization and individuation services for high quality clients; building scientific and reasonable mechanism of credit marketing pricing keeping to orientation of product, client, area and principle of credit market price, cost-benefit, risks compensation and difference grade; improving the analyzed means of banks credit risks, especially analysis of future cash flow and enterprise's finance elasticity, building the system of small-medium enterprises credit risks alarm. The best choice and continuable development of ICBC for small-medium enterprises credit will come true on basis of the above mentioned.