Based On The Small And Medium-sized Enterprise Credit Management Of The HL Bank Problem Research

In recent years, SMEs have developed rapidly and has made outstanding contributions in the employment and economic growth. However, the growth of SMEs is gravely restricted due to financial difficulties, especially financing by banks. Moreover, with large enterprises to broaden direct financing channels, the financial "disintermediation" is further exacerbated, as an indirect financial intermediation role of the media has been weakened, the competition among commercial banks become more intense. Under the new economic situation, banks need to change their business model. The bank’s business model transformation includes not only the philosophy of change, the restructuring of clients, but also includes models of product structure and credit adjustments. This article is in this background, through theory and practice photograph knot legitimate, comparative analysis, case analysis and other methods, standing on the bank angle, tries to analyze the HL bank of the small and medium sized enterprise credit management present situation, pointed out that the small and medium-sized enterprise business problems, and put forward specific countermeasures, to find out from the bank angle small and medium-sized enterprises financing way.The innovation of this article is:for small and medium enterprises exist the management is not standardized, the operator quality on the low side, while the small and medium-sized enterprises have some problems, but because the small and medium-sized enterprise group is numerous, can be dispersed substantially bank loan risk, reduce risk cost, accordingly, financial institutions should take the initiative to liberate thought change idea, active improvement of medium sized and small enterprises credit service, rather than passively waiting for SMEs to solve their problem later to support, and puts forward the improvement of bank credit management of a series of measures:The first is for the HL bank of service for small and medium-sized enterprises organizational structure problem, put forward to build the franchise service institutions for small and medium-sized enterprises, to create a" professional management, process management, individualized assessment, a solid marketing" architecture pattern, pointed out that the service institutions for small and medium-sized enterprises should be set up full-time marketing department and the risk management department, more effectively for customers of small and medium-sized enterprises development and risk prevention and control. Two is for the HL bank approval process constraints, SME business process should be in the effective prevention and control of risk on the premise, as far as possible to reduce examination and approval procedures, improve the efficiency of examination and approval, reduce marketing staff workload, improve the marketing staff to the development of small and medium-sized business initiative, in order to meet the small and medium-sized enterprise" urgent, frequency, fast" credit demand, and the design of the"2+1","1+1" model approval process. Three is for the HL bank of prompting mechanism problem, pointed out that due to the small and medium enterprises single-family loan amount is small, relatively high risk, marketing staff workload, responsibility and income do not match, the HL bank should be established to loan number based assessment index, taking into account the amount of the loan assessment system. Four is for the HL bank current credit rating can not reflect the real level of small and medium-sized enterprises risk problem, pointed out that the HL bank should carry out independent small and medium enterprise credit rating system, small and medium-sized enterprises operation and operator individual information into scoring range, and lists the specific rating indicators and standards of grading. Five for small and medium enterprises is relatively large enterprises fixed assets less, fewer financing bankers, the SME loan once the bad, from the sale of fixed assets or to other banks and financing to repay overdue loans less likely, the non-performing loan, it may herald the coming of enterprise bankruptcy, pointed out that the HL bank should build individual risk classification and loss provision system, instituted special disposal of bad loans policy, establish reasonable non-performing loans fast verification mechanism, and presents the full provision for loan loss provision, the direct write-off of non-performing assets, as well as with the third party agency cooperation, rapid transfer of non-performing assets of two specific programmes. In addition, in view of the small and medium-sized enterprise information opaque, guarantee risks and other issues, proposed by the government to set up the small and medium-sized enterprise credit database query system, to solve the SME financing problems--information asymmetry; and proposes that different levels of guarantee system, to guarantee institutions to provide credit guarantee company, dispersive risk.