Foreign Banks' Unsecured Small Loan Customer Credit Risk Management, Financial Indicators And The Use Of Research

"Small Unsecured Loans" is a type of credit loan, which is specially designed in accordance with SMEs operational characteristics and demand. "Small Unsecured Loans" takes an effective solution to the problems of lack of collateral or security, in particular meet their financial request, satisfying liquidity demand in the process of expansion. It would help to establish a credit relationship between enterprises and international institutions, which playing a powerful role in promoting on the long term. However, because of the characteristics of "Small Unsecured Loans" without any collateral or third-party security, which resulting in customer's credit risk higher than other ordinary mortgages.Under such circumstances, it's necessary for commercial banks to enhance their customer credit control so that bank could reduce non-performing loan ratio and guarantee those in safety, liquidity and profitability.Thesis analyzes the characteristics of "Small Unsecured Loans", customers' credit risk & performance, and then provide the importance of monitor borrow's financial indicators. On the basis of researching and comparing enterprises solvency, operational capacity, profitability and development capacity, then set up the new model for "Scorecard". It could improve bank credit risk management of "Small Unsecured Loans" on the basis of financial level and reduce non-performing loan..