Research On Small And Medium-sized Commercial Banks’ Microcredit Business And Risk Control System

China has the massive small and medium-sized enterprises, to the economical and the socialdevelopment extremely vital role, in the last few years, the small and medium-sized enterprise isfinancing difficultly to become the key topic which the theorists and the practice department study,simultaneously the unemployed started an undertaking, the university students’ innovativeundertaking as well as the countryside management wealthy and powerful family survivaldevelopment has also expedited childbirth to the jot loan magnanimous demand, but jot loandemand main body because lacked the mortgage guarantee condition which the commercial bankapproved, caused it very difficultly to obtain the regular financial organ effectively the creditaid.Along with the country monetary system reform, the foreign capital bank enters, bank classfinancial organ quantity increases unceasingly, the small commercial bank’s development is facingday by day the keen competition.Compares with the large-scale commercial bank, the smallcommercial bank in aspects and so on fund scale, management level, resistance risk ability has theinferiority, in under the national finance policy support guidance, the small commercial bank startsto step in the jot loan domain, but the jot loan risk is high, therefore enhancement risk controlmechanism construction watershed.This article rests on the credit ration theory, the risk management theory, the utilizationcomparison analytic method, the factor analytic method, in limits small commercial bank and jotloan business connotation and in extension foundation, small commercial bank own characteristic,the competition environment, the development needed to prove the small commercial bank withthe jot loan supply and demand contradictory four aspects to develop the jot loan business thenecessity, the small commercial bank interior service superiority and exterior policy supported twoaspects to prove the small commercial bank to develop the jot loan business the feasibility, andproposed, the realization feasible prerequisite was establishes and strengthens the jot loan the riskcontrol mechanism.The small commercial bank jot loan business has its specific risk performance,in the risk factor analysis, in view of the fact that the research need, has rejected system risk factors and so on market risk, country risk.In the system analysis each kind of risk foundation,proposed contains the small commercial bank interior risk control mechanism and exterior policysafeguards two aspect contents the jot loan risk control mechanism.The internal controlmechanism mainly is aims at the credit risk, the operation risk and the interest rate risk.As a resultof the jot loan particularity, the government and the financial supervising and managingdepartment is very big in the jot loan business development and the risk guard aspect function,exterior policy safeguard mechanism constituted a small commercial bank jot loan risk controlmechanism indispensable also not allow to neglect part.Exterior safeguard mechanism regardingthe elimination jot loan business natural risk, the policy law risk, the competition risk and so onhas the direct action, the financial supervising and managing policy also gets up to the smallcommercial bank interior risk control mechanism the assistance function.