Study On Micro-credit Risk Control In Commercial Banks

Since 2013, the state and many departments jointly issued a lot of policy to support small and micro enterprises, such as "leading banks to deepen the financial services of small and micro enterprises", "the notice of make improve and innovate of small micro enterprise loans services, improve the level of small and micro enterprises financial service", although these policy ease the financing problem of small and micro enterprises, but there is no denying that in reality, the small and micro enterprises are still difficult to meet the demand of financing. The main reason of the financing difficulties of small and micro enterprises is because the small and micro enterprise borrowers’credit risk is much more higher than usual, as for commercial banks, small and micro credit business is not only great risk but also high cost, based on the operating principle of security, the commercial banks will less or not loan to small micro enterprise. But with the interest rate liberalization, the financial disintermediation and other factors, it is the necessary for commercial banks to carry out small and micro finance business, so it is necessary to take into account the problem of small and micro credit risk control.This article is from the view of commercial banks small and micro credit risk control system and technology means, then analysis the situation of commercial bank small micro credit loan risk, and compared with the small loan company, sum up and find out the problems, finally puts forward the policy suggestion. In the foundation of analysis part, through the analysis of the characteristics and the causes of small and micro credit risk, the reason of small and micro credit the higher risk mainly is:firstly, small and micro enterprise have the higher management risk; secondly, the Small and micro enterprise have the higher moral risk; thirdly, Small and micro enterprise lack of mortgage guarantee measures; finally, small and micro enterprises have the lower penalty cost. Then through the comparative analysis of the commercial bank small micro credit risk control system with small loan companies, study shows that the commercial bank small micro credit risk control method has its rationality, but also exist such as:commercial bank small micro credit products have its own deficiencies, too much emphasis on small micro credit risk, small micro credit rating system is not scientific, commercial bank small micro credit mode is lack of innovation and many other problems. Aiming at these problems, this article puts forward the following suggestions:first, strengthen the construction of commercial banks itself; second, innovate of commercial bank small micro credit products and guarantee mode; third, improve the small and micro credit risk management system; Fourth, strengthen the cooperation with small loan companies and other institutions.In addition, this article focuses on the analysis of current popular investigation method among small micro credit lending survey, the"cross examination". Because most of the small and micro credit borrowers are unable to provide real and effective production and management information, result in serious asymmetric information between commercial banks and small micro enterprises, through the before loan investigation "cross examination" can truly reflect the situation of small micro enterprises, effectively reduce the credit risk caused by information asymmetry.