Study Of Risk Control Strategies About Small And Micro Business Loan In XX Bank Hangzhou Branch

At present, all levels of government and regulatory authorities around the activepromotion and advocacy, various financial institutions, including state-owned commercialbanks, joint-stock banks, city commercial banks, etc., are committed to the development ofsmall and micro enterprises in the loan business, but due to the small and micro enterpriseinherent existence "adverse selection" and "moral hazard" feature, likely to cause the bank ofsmall micro-enterprise loans input and output ratio imbalance. The above problems plaguingcommercial banks, commercial banks also contributed to continuously explore and grope inthe expansion of small and micro business loans in the process, in order to embark on adevelopment path in line with their risk appetite. This article XX Bank Hangzhou Branch ofsmall micro-enterprise loan risk control strategies for the study, combined with the economiccharacteristics of the region, through the analysis of reality, leads to difficulties, controlstrategy, pointing out the direction of development.This paper first introduces the research background and significance of small and microbusiness loan risk control strategies, content and methods; thus draws on the relatedconcepts and theoretical basis of some small micro-enterprise loan risk control, includingloans to small and micro enterprises and their related concepts, a small commercial banktheory of micro-enterprise loan risk control; subsequently elaborated XX Bank HangzhouBranch of small micro-enterprise loan risk control status quo, that the overall operation ofsmall micro-enterprise loans, there is a major risk situation, the main risk being takencontrol strategies; in were analyzed based on the XX Bank Hangzhou Branch of smallmicro-enterprise loan risk control strategies herein above the status quo under the premise ofdefects, including small and micro enterprise loan product defect analysis, customer andbusiness access links defect analysis, investigation and approval of loans defects in theprocess of analysis, loan management aspects of the defect analysis and risk controlprocesses set defect analysis; Finally, some domestic and foreign commercial banks to smalland micro business loan risk control strategy, this paper presents the improvement of XXBank Hangzhou Branch of small and micro enterprises methods and means of loan riskcontrol strategy.