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Credit Risk Management Of Commercial Banks Small And Micro Business Loans

Posted on:2016-04-18Degree:MasterType:Thesis
Country:ChinaCandidate:C GuoFull Text:PDF
GTID:2309330470453036Subject:Finance
Abstract/Summary:PDF Full Text Request
Small micro enterprise loans for small micro enterprise is the purpose of appropriate financing channels in China. Loan customers groups are large of small enterprises and individual industrial and commercial households, they are the most dynamic part of the Chinese economy. In recent years, the small micro enterprises in promoting economic growth, promoting technological innovation, creating employment, promoting the development of industrialization and urbanization and increasing the fiscal revenue, etc, play a more and more important role at the same time. Small micro enterprise loan from the bank financing is becoming more and more frequent, along with our country commercial bank increase of small micro enterprise loan balance, the risks are increasing, for bank credit risk of the most important risk is credit risk. Small micro enterprise financing problems related to China’s economic and social development and building a harmonious society of global. Commercial bank is the center of our country banking, if commercial Banks in risk will affect the stability of the whole society. Therefore how to effectively control the small micro enterprise loan credit risk becomes the present our country commercial bank must actively deal with problems.Article more comprehensively elaborated the domestic and foreign small micro enterprise loan and credit risk management of related theory, through combing the domestic and foreign scholars study, draw lessons from their research results found, on the basis of the breakthrough point for the paper writing. The studied in this paper, through the small micro enterprise loan business of commercial bank development status and credit risk management status, found that the main problems existing in practice. Such as the fact information asymmetry; Loan pricing mechanism is not scientific; A grave shortage of management talent; Incomplete financial market intermediary service institutions and so on. Through the analysis of credit risk formation mechanism, found the main factors of small micro enterprise credit risk is the subjective factor, and it is concluded that the subjective existence of credit risk, so let’s focus on preventing subjective credit risk. Using the game theory of repeating dynamic game analysis of credit risk management problems. Finally on the basis of game analysis is put forward to strengthen the small micro enterprise credit risk management mechanism innovation countermeasures First, improve the credit market information symmetry. Second, strengthen the construction of bank risk prevention ability; Again, the establishment of credit incentive constraint mechanism; At last, the perfect risk early warning mechanism. By studying the conclusion suggested hope that commercial Banks should be how to control the small micro enterprise loan credit risk to provide the reference.
Keywords/Search Tags:Commercial Banks, Small Micro Enterprises Loans, Credit RiskManagement, Game Theory
PDF Full Text Request
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