Ji’nan Area Of HX Bank Wholesale Small And Micro Businesses Risk Analysis And Risk Management

With wholesale small and micro businesses in national economic development status and role has become increasingly important, the development of wholesale small and micro businesses credit business has also become a Ji’nan branch of Huaxia bank customer structure, increase the income, enhance the core competitiveness and diversification of market risk, achieve sustained and stable development of the realistic and strategic choice.Bank wholesale small and micro businesses of credit risk management is an extremely wide range of factors involved in system engineering. By the time, knowledge, information and other factors limit, this is only on this subject is studied. Hope as their words, cause more attention and research, the Huaxia Bank wholesale small and micro businesses credit business to be in a reasonable and appropriate risk control level, both for the possible risk effectively and dissolve, and can make the wholesale small and micro businesses credit business to achieve sound and fast development the wholesale, small and micro businesses to reduce credit risk for Bank of China Ji’nan branch for future operation and development of the negative effects.This paper is divided into four parts. The first part is an introduction, mainly introduces the research meaning and purpose, research methods and perspectives and the main content of research; second part is the wholesale small and micro businesses credit background and corporate credit risk analysis; the third part is described through the Bank of China Ji’nan area wholesale small and micro businesses credit business development present situation and the wholesale small and micro businesses credit risk management status, show occurrence phase wholesale small and micro businesses credit risk management problems. In the fourth part, prior to analysis the problems, suggestions on how to improve and perfect our country commercial bank wholesale small and micro businesses especially wholesale customers credit risk management countermeasure and suggestion.