Font Size: a A A

Research On The Credit Risk Of Commercial Banks To Small And Micro Businesses

Posted on:2016-09-21Degree:MasterType:Thesis
Country:ChinaCandidate:D X ShenFull Text:PDF
GTID:2309330479996992Subject:Business administration
Abstract/Summary:PDF Full Text Request
Small and micro businesses are known as the "economic backbone". From a global perspective, Small and micro businesses have become an important force of the national economy development and the most vigorous growth point in the economic and social development. In recent years, our country has issued a series of policies and measures to support and promote the development of Small and micro businesses, for realizing the overall goal "capital growth, expand domestic demand, adjusting the structure, promoting employment, strong foundation" Strengthening the research of credit of Small and micro businesses, expanding the amount of credit of Small and micro businesses while reducing the risk of bank credit, both for effective change of bank loan structure, or to help Small and micro businesses to solve the financing problem, for the commercial banks, is a very urgent task.This paper is divided into five sections. Chapter 1 is introduction, showing clear and specific issues, the definition of key core concept, finalizing research methods and research framework. Chapter 2 outlines the theory, introducing the commercial bank credit risk, credit risk of small and micro businesses, and the relationship between banks and enterprises, laying a solid and reliable theoretical basis for the following parts. Chapter 3 is about current situation of small and micro businesses credit risk analysis of Shaoxing branch. Firstly there is a brief introduction for Shaoxing branch, followed by the analysis of current situation of Shaoxing branch of the credit business Small and micro businesses, in conjunction with the credit business management model drawn up problems of the credit risk management.Chapter 4 is about risk management strategies raised in Chapter 3 from risk management system, the credit rating system, risk-pricing model, risk warning mechanism, products and services, and raises a real customer case to verify the validity of credit risk management strategies. Chapter 5 is Conclusion and Outlook, combing study the limitations of this paper, analyzing shortcomings of this study, indicating the direction of future research and making prospects.The study found that, in the rapid business expansion situation, the credit risk from Shaoxing branch to small and micro businesses are more and more, including that the risk management system is not perfect, the internal credit evaluation system and the pertinence is not strong, the loan pricing mechanism is not scientific, risk early warning and information feedback mechanism is not perfect, small micro financial products and services lack of innovation etc.. To solve the problems on the issues, we can improve the risk management system, credit rating system construction, the establishment of risk pricing model, risk early warning mechanism, innovation of product and service, modern marketing culture. After the establishment of the risk management strategy, Shaoxing branch makes the X values in the case as the starting point to implement the application which has obtained apparent effect.
Keywords/Search Tags:Commercial Bank, Credit Risk, Small and Micro Enterprises, Prudential Bank Branch In Shaoxing
PDF Full Text Request
Related items