The Anhui Branch Of JT Bank Small And Micro Businesses Loan Risk Management Research

Small and micro enterprises have become an important part of China’s economic development, plays an important role in promoting economic growth, increasing empl oyment, improving the income level of residents, promote social harmony. However, due to the small and micro enterprises with a smaller scale, the credit degree is not high, lack of financial information and other characteristics, loan business of commer cial banks always tend to large and medium-sized enterprises, which resulted in only s mall and micro enterprises financing situation by other financial institutions. The com mercial bank from the overseas development situation, put forward a small micro ente rprise loan mode. In recent years, frequent business loan, and the rate of bad loans of c ommercial banks are rapidly rising. Practice has proved that the small and micro enter prises loan model is implemented, it promotes the small and micro enterprises in Chin a’s economic development. The refore, commercial banks can’t wait to need to improv e loan risk management measures, provide better loan services for small and micro ent erprises at the same time, reducing the bank’s own loan losses borne.This paper used in the process of research method combining the theoretical an alysis and case analysis, through literature review, data collection, group lending to JT bank small micro enterprise data integration and summed up. When making sche me applied to JT bank anhui province branch three group lending as sample, throug h to the data statistics and regression analysis, it is concluded that the feasibility of the design of group lending risk management.Based on the theory of the risk management of commercial Banks, the key an alysis JT bank small micro enterprise group lending risk management of the busines s problem. First introduced the JT combines the research status at home and abroad bank small micro enterprise group lending business development present situation, f ind out the bank on its risk management problems. And with JT bank anhui provin ce branch three cases of group lending as a research tool, discusses the risk manag ement measures. Based on the above research conclusion small micro enterprise gro up lending risk management model for the future planning Suggestions are put forw ard.In this paper, the concrete content is as follows:the first chapter is introductio n, mainly introduces the research background, research significance, research purpose, research contents and research methods and research innovations. The second chapt er, as the theoretical basis and literature review, through literature review elaborated the commercial bank risk management related theory, and the research status of sc holars at home and abroad are listed. The third chapter for JT group lending bank small micro enterprise development present situation and the risk analysis, introduces the JT bank small micro enterprise group lending business development status and the existing risks. The fourth chapter for JT bank small micro enterprise group lend ing risk management scheme design, through the research JT data bank branch in a nhui province small micro enterprise group lending risk management measures. The fifth chapter JT small micro enterprise group lending bank risk management applicat ion, the design scheme to JT bank risk management in three group lending business. Chapter 6 conclusion and prospect for research, this paper argues that to establish a perfect risk management system can effectively solve the JT bank small micro en terprise group lending risk problem, and the future development model and risk ma nagement mode were discussed.This paper innovation points:one is the study of small micro enterprise group lending business, this paper standing in the point of view of commercial bank risk analysis. Second is JT bank branch in anhui province as an example, joined in the case of actual application in the study of theory, compared with other theoretical r esearch more persuasive.3 it is combined with the current JT bank small micro ent erprise group lending risk management loopholes, reasonable risk management impro vement scheme is put forward.