Research On The Credit Risk Management Of Small-micro Enterprises For Xiangtan Z Bank

In recent years, the small micro enterprise attaches great importance to by the state and government, the country’s leaders repeatedly mentioned to vigorously promote the development of small micro enterprise, prime minister li talked about at the central economic conference to support small micro enterprises, promoting a new round of economic broken cocoon into a butterfly ", at the same time, he also talked about by developing financing guarantee to promote the development of small micro enterprise, nice and fast. Banks, meanwhile, also hope that through promoting small micro enterprise financing, in turn, access to new profit growth point to growing their own, but the small micro enterprise credit risk is that cannot be ignored, so how to reduce the small micro enterprise credit risk has become the key.Xiangtan Z Bank is founded in 2012, on September 20, so far less than three years, but its credit business development in full swing, small micro enterprise credit is developing well. As of December 31, 2014, small micro enterprise loan balance accounts for 42% of the total outstanding loans, loans for households accounted for88%, but the attention of small micro enterprise loans also reached 14.6 million yuan.Xiangtan Z Bank in the main process of small micro enterprise credit risk management in the six major problems: one is the insufficient credit risk management configuration, there is a big risk hidden danger; The second is part of the credit business personnel risk awareness is not strong; Three is not establish effective risk rewards and punishment mechanism; Fourth, risk early warning, information feedback, post-loan management does not reach the designated position; Five is to carry out the problems existing in the loan guarantee mode; Six is the credit risk management system is not perfect.To solve these problems, this article reading and finishing a large amount of relevant literature both at home and abroad, to refine the three theoretical models,respectively is the asymmetric information theory, the reputation mechanism theory and credit guaranty model, according to the theoretical model is proposed in this paper Xiangtan Z Bank optimization scheme of small micro enterprise credit risk management. Before the credit risk management is mainly two things: one is througha variety of ways to reduce degree of information asymmetry between Banks and enterprises, the second is to strengthen the business and professional quality of the credit personnel training and formulate rewards and punishment mechanism of credit risk; After credit risk management is mainly focused on small micro enterprise first source of repayment and second source of repayment, divisions optimize small micro enterprise credit risk management model. Finally, this paper puts forward the optimization scheme from seven aspects of safeguard measures.Small-micro enterprise is the important subject of market economy, also is the future new profit growth point of commercial Banks, but the Small-micro enterprise credit risk management is an eternal research subject, this article is just beginning.