The Credit Risk Management Of Chengdu Minsheng Bank Micro Businesses

According to incomplete statistics, the number of small and medium-sized enterprises, micro enterprises accounted for almost 99% of the total enterprises in China, Small and micro businesses cannot be neglected for the economic development of our country to. A reasonable guarantee of Small and micro businesses in the supply of funds, will further promote the development of Small and micro businesses and improve the quality and level of economic development.2014, Minsheng Bank to actively respond to changes in the domestic macroeconomic situation, strengthen risk prevention and control measures, to further enhance the level of risk management. Along with the development of small and micro 2 projects gradually thorough, the retail credit asset growth, retail loans overdue and bad have reached the expected control parameters required by the head office. However, in the background of the macro economic situation downward migration, regional risk, the overall slowdown in the development of small and micro businesses, a branch of the retail business after the early rapid development at the same time, problem loans also showed a rising trend, the indicators are on the rise, greater downward pressure. So this paper is about the research of Minsheng Bank micro businesses credit risk in Chengdu.First, this paper introduces the research situation about small and micro risk research background both at home and abroad. Then discuss the theory of credit risk control Small and micro businesses, including the risk characteristics of Small and micro businesses and the credit risk of the main control means and methods. Then the current business of Minsheng Bank credit risk control analysis, mainly through the research in 2014, Minsheng Bank small micro credit business related data. On this basis, the current problems in the credit business risk assessment, lists problems of risk management system, evaluation system, pricing mechanism, risk warning and product innovation, and risk management system, credit evaluation system, risk pricing model and product innovation and put forward relevant countermeasures and suggestions. At the same time, planning and analysis of the focus of the work of the next year. Finally, to conduct this review and outlook.