Research On Small Businesses Credit Risk Management Of Bank A Nanning Branch

Along with the financing difficulty small businesses in China has become increasingly prominent, the state has issued a number of measures to guide commercial banks increase credit support for small businesses, each commercial banks in recent years, up by a substantial increase in the amount of small business loan, small business financing environment has been improved to some extent. Under the guidance of the policy of state support, small business credit business has become a structural adjustment of the commercial banks to enhance their competitiveness, reduce risk and achieve sustained and healthy development of the strategic choice, is also the same competition in the main hotspots of competition and the new interest rate growth point. Affected by the traditional management mechanism and policy-oriented factors, small business credit risk control has been a problem in the development of small enterprises of the commercial banks. To this end, the countries continue to increase credit support for small businesses at the same time, how to take effective measures to control the risk of small business loan business, and promote the development of small business credit business of commercial banks, improve the financing of small business credit channels and the environment, to achieve banks and enterprises a win-win situation, has become an urgent need to solve the problem of today’s society.The paper research object A bank Nanning Branch was formally established a small business center in March2011, which is dedicated unified management of branch operations of small business credit. After two years of business development, the small business center has begun to take shape. However, compared with those in the same industry competitors, Nanning Branch has obvious gaps with competitors, which is reflected in the pace of development of small enterprise business and the profit contribution.Hereto, this paper starts with the current management situation of the credit line provided by Nanning Branch of Bank A to small businesses, discovering that this branch’s business survey made before the loan is offered to small businesses is much to superficial, lacking the mastery of their non-financial factors; the in-credit accreditation is much too dependent on the risk aversion to the bonding company, thus not scientific enough; and the after-credit supervision is not initiative and short of the recognition of risks; and so on. Aiming at the above-mentioned problems and according to the characteristics of small business credit line, this paper proposes the following suggestions:before the credit is offered, the bank should perfect its existing customer access system, optimize the credit rating tool for the small businesses and strictly implement the pre-credit survey management; when the credit is offered, the bank should decentralize the credit risk through innovative guarantee approaches, thus making the credit pricing management more scientific; after the credit is offered, the bank should pay great attention to improving the staff’s sense of risks and take initiative to undertake innovation with the times, so as to improve the risk management and perfect the small business post-credit warning information index as well as the risk reporting system, thus finally fulfilling the post-credit delicacy management.