The Research On Small Banks Credit Risk Management Mechanism

In recent years, although small and medium banks intermediate business income accounted for the proportion of total operating income has improved, but is still the primary and secondary income credit banks are most important source of income accounting for some90%, so how to control credit risk to enhance the quality of credit assets is always small and medium banks eternal topic.From a practical point of view, the high proportion of non-performing assets of small and medium-sized banks also have been more outstanding, investigate its reason, have their customers the anti risk ability of low strength weak, policy support, but a financial institutions own management ability is the most can not be ignored, such as the small bank performance risk management organization structure and operation the mechanism is not perfect, the responsibility is not clear, poor execution system, personnel risk recognition ability is weak and so on, are credit risk, control and improve the quality of credit assets of small and medium-sized banks "soft rib". Therefore, this paper tries to stand in the small and medium-sized bank angle, research on credit risk management this thesis, from the prevention and control of credit risks forms, credit risk, credit risk causes to elaborate how to better risk management, improve the quality of credit assets. This paper thinks that, unlike large banks, the risk of small and medium-sized banks performance is more complex and diverse, the main manifestation of these elements in the neglect of the first source of repayment, the borrower not compliance, use of the loan is not true, guarantee ability is insufficient, borrow new also old or the implementation of debt, also the old by the new, or from a form, start the risk has been generated, and some are hidden and cumulative risk. Risk of small and medium-sized banks is through these forms, both their historical origin, but with its management system and operation mechanism. From the perspective of history, the small and medium-sized banks is often developed in urban areas and the rural credit cooperative basis, in the restructuring, accumulated heavy historical non-performing assets, these assets need continuous digestion and absorption; from the management system and operating mechanism, small and medium-sized banks aren’t the introduction of strategic investors specialization degree the higher the organizational structure, a superficial reform; at the same time, small and medium-sized bank products and customer resource management system is unitary, lacks the scientific nature, these have hampered the ability of risk prevention and control to improve the small and medium-sized banks. Therefore, in order to risk prevention and control ability of small and medium-sized banks, the paper thinks that we should improve the organization, credit system, personnel quality, customer management, technology and other aspects, reform and improve the. From the organizational structure, need the introduction of strategic investors, perfect mechanism to constrain the general meeting of shareholders, board of directors, board of supervisors, managers, before the establishment of the backstage classification of credit management system; credit system from the view, is the establishment of standardized examination and approval mechanism, the implementation of strict and effective assessment and accountability system; from the personnel quality, emphasis is reasonable with the credit staff, improve staff ability of research and development and innovation; from the customer management, the essential element is to establish a set of client risk monitoring system, the implementation of the control pressure sequence management of credit account; in addition, from the technical system and constantly improve risk monitoring and early warning systems, enhance the rigidity of the system. Execution by means of technology system.