Credit Risk Management Harbin Bank A Branch Of Small And Micro Enterprises

From the beginning of 2014, A area began formal implementation of the reform of the registration system of registered capital, according to the business sector statistics, in the past year, the region’s small and micro enterprises have a growth spurt. Visible, small and micro enterprises in China’s market economy has a high growth potential, and will play an important role, along with the number of small and micro enterprises continue to increase, commercial banks optimistic about the small micro-enterprise credit this vast market, innovative small micro-credit products to enhance the level of credit risk management, to improve the bank economic efficiency, enhance the comprehensive strength has a profound impact, more secure and long-term development of the assets of commercial banks has unusual significance.In the discussion of this paper, first on small and micro-enterprise credit risk classification, and then to risk management in small and micro-enterprise credit Harbin Bank A branch made elaborate induction, and find some worth exploring and modifying the place, and these issues credit may be throughout the early, mid-term loans, loans late work. Problems include lack of risk awareness is weak bank personnel, business knowledge, but hard work, saying the lack of dynamic supervision, risk warning and information feedback mechanism is not perfect, the lack of the loan after the Commissioner and so on. Secondly, and from the perspective of the banks themselves and their own point of view of the causes of Harbin Bank A branch of risk management are the result of these problems, according to the analysis, the reasons for the bank angle include:flawed incentives, organizational structure is irrational, post-loan management know not in place, the problem of adverse selection, benefits or reduce dictates, the lack of small and micro enterprises to integrate information databases, business point of view there are reasons:its own capital strength is weak, internal management is not standardized, lack of assets, can not provide full collateral, easy evade bank debt. Finally, to address the problem, the paper summarized and learn from the international advanced banking experience for small and micro enterprise risk management and control of Harbin Bank A branch of risk management made the following can be improved approach:improve internal control mechanisms, sound risk management mechanism, strengthen The key point is not in place various risk management and control, and strengthen personnel training, improve the incentive mechanism, improve service quality, and promote harmony credit relationships.The main innovation of this paper is from the perspective of the grassroots Harbin Bank branches, small micro-credit study the current situation and the existing risk management ideas, currently, the bank’s risk management support point is not just that the theory, but in practice every aspect. This article will work in actual duct elements facing extracted, further emphasized the importance of risk management culture, in addition, by who implement technology, who rely on the implementation of the provisions, which require excellent quality of the staff. Small banks how to choose the benefits and risks, through discussion of this article, hope small banks can pick out high-quality customer in many small and micro businesses and long-term cooperation can continue.