| Small-micro business occupies special important position in our national economy, playing an irreplaceable role to increase employment, activate market, improve people’s livelihood, and promote economic transformation. Currently, there are about30,000,000individual businesses,1,500,000registered business enterprises across the country. Small-micro business which accounts for99%of business enterprise number, contributes50%revenue,60%GDP,70%innovation, and80%employment to national economy. The development of credit business for small-micro business is of great significance to commercial banks, such as cultivating new customers in the first time, performing social duties, optimizing bank structures, diversifying customers, spreading risks, boosting cross-selling, promoting the development of private banks, wealth management, intermediary business, and increasing comprehensive profits.China Construction Bank Y Branch, a subordinate bank of China Construction Bank in coastal area, has made vigorously progress in its business and service in recent years, and its credit balance of small-micro business doubles in the past three years. But business development should not be accessed at the expense of scarifying credit asset security. So it is important for China Construction Bank Y Branch to establish a sound and effective risk management system to small-micro business, which can help the bank to rationalize resources and minimize credit risks for credit business from small-micro business. Meanwhile, how to balance credit risks and profits, how to make up for deficiency existed in management system, how to improve credit risk management system, and how to prevent related credit risks, become key issues to be solved in bank business development for small-micro business.By applying risk management theory to credit business of small-micro business in China Construction Bank Y Branch, This text takes mainly researches the unique risk characteristics of small-micro business. By investigating current small-micro business development, district characteristics, overall credit needs and financing of small-micro business in Y district, and combing credit business development of small-micro business in China Construction Bank Y Branch, the writer looks for credit business risks existing credit business of small-micro business, so as to discourse how to identify risks and take effective risk control measures.Considering the financing characteristics "short time, high frequency, rapid turnover and small quantity" of small-micro business, effective risk management measures taken to small-micro business shall be greatly differ from that of large-scale credit customers. As the above-mentioned risk management status of small-micro business, the writer aims to find ways and solutions to prevent risks and elaborate his series risk measures innovations to cultivate the staffs risk management awareness, rebuild credit management procedures, and spread risks by innovative patterns. By this way, small-micro business could be greatly helped to solve its financial problems, access cheaper loans; and can also be helped to accumulate its credit for future development. Small-micro manufacturing business becomes increasingly popular among commercial banks, under the government appeal of more funds to be invested to entity enterprises. Fruit and vegetable processing is a typical representative in agricultural products and byproducts processing industry in Yantai District-the famous Yantai Apple and Laiyang Pear have good selling and high popularity in China and abroad. This text takes XX Fruit and vegetable processing company as example, analyzes its industry characteristics and risks, and discusses the aspects commercial banks should impose more risk checks. The writer does hope that commercial banks could draw lessons from this text and impose risk checks to other industry customers. |
PDF Full Text Request