Credit Products, The HSP Process Optimization And Risk Control

In 2008 global financial crisis, investment banking has undergone a major reshuffle, commercial Banks went through a huge impact and challenges. Post-crisisera, the global banking industry is a profound reflection The necessary risk control their own business and profit model offundamental change. On the other hand, the global economic slow Slow recovery phase, much-needed restructuring of China's economic structure, and development of SMEs, especially small and micro enterprises The development of China's economic transformation and development plays an irreplaceable role. However, small microenterprises received a letter Loans to support their position and contribution to the extremelydisproportionate. Statistics showed that "small micro-enterprise"Each year, about 700 billion yuan of the funding gap. For this, the Government has given high priority, has in 2003, 2009 and 2010 introduced a number of supporting SMEs, especially small and micro-enterprise financing notification Regulations requiring the establishment of major commercialbanks loans to SMEs Division, set up around the small loancompany And so on. Commercial banks have been supporting smallbusiness innovation micro-enterprise financing, unsecured smallmicro-enterprises Guaranteed loans have appeared in various financial institutions,including China Merchants Bank is to go in the major financial institutions Forefront of innovative design fast unsecured loans products, andconvenient financing for its unparalleled won Favor of the market and rapid development. In this situation, the existence of guaranteed loans of economics to explain the rationale On the meaning and practice of this business to do a comprehensive analysis and summary of great significance. In this paper Guaranteed loans to make a comprehensive discussion of the theoretical basis, based on the guaranteed loans from abroad andoperating practices Experience, analysis of the existing guaranteed loans of domesticmodels and development problems, study loans UNPROFOR Section of the model design, risk measurement and customerscreening mechanism. Finally, in the above analysis based on the Process optimization and risk control measures.