The Research On Risk Management Of CMBC Small And Micro Business Loans

Under the "comprehensive deepening reform " and " financial disintermediation " era background, small and micro business loans potential to become strategic transformation of China’s commercial. With the gradual expansion of small and micro business loans, commercial banks actively explore new profit point, the domestic small and micro enterprises ’financing difficulties," the problem can be alleviated, the government’s supportive policies to be successful, to achieve the situation of the bank, corporate and government" Total win " temporary. However, small and micro enterprises own shortcomings, unstable market environment, the bank re-lending the light pipe, product homogeneity serious, such as factors hindering the healthy development of small and micro business loans, small and micro loans "quality" as the "quantity" decreased with the increase, rising credit risk is already a huge threat to banks affect the survival and development. How to build and optimize small micro loan risk management has become a focus of attention of major commercial banks, but also the central issue of this paper.The innovation of this paper is to enlighten both theory and practice-oriented. In theory, this paper as the background strategic transformation of the commercial banks, based on previous studies and information asymmetry, the three cornerstones of the theory of credit rationing, business life cycle, from childhood to define the characteristics of micro-enterprises and small and micro-loans, and explore the small and micro the formation of the intension of loan risk, analyze the purpose and the content of small layers of micro credit risk management. In practice, this paper analyzes the literature and case law, to China Minsheng Bank’s "Business Loan" engaged in the research sample, description China Minsheng Bank (CMBC) of small and micro businesses and small and micro loans loan risk management problems, and from the risk management point of view of its causes. In this paper attempts to find a breakthrough from the China Minsheng Bank itself, raised awareness of the risk-based risk management mechanism to reshape, set up the "threshold" properly, improve the credit rating of small and micro-enterprise loan pricing mechanism to build dynamic risk early warning and prevention system measures for the realization of small healthy and rapid development of micro-lending operations provide a reference.