Research On Credit Risk Management Of Small Enterprises In Shaanxi Branch Of China Construction Bank

CCB Shaanxi branch in 2008 established a small business operations center in Xi’an, and subsequently established a small business operations center and Yulin, Yanan and other 7 small business centers, as of the end of 2015 by the end of 6, Shaanxi branch of small business customers 1540,8719000000 yuan loan balance, the indicators are among the best in the province. But since 2013, the Shaanxi branch of China Construction Bank has been a double growth of non-performing loans and non-performing rate, the bad rate from 0.26% in 2013 to 1.85% in 20156, the quality of small business credit assets has declined. In this situation, how to improve the risk management of small business loans has become an imperative choice and an urgent need to solve the problem.In this paper, based on the bank loan risk management theory, the paper puts forward the concept of the whole process of the small business loan risk management, improving the traditional work of the various links. Through case analysis and comparative analysis, the deep reasons of the bad loans of small enterprises in Shaanxi branch of China Construction Bank are analyzed. Finally, two risk control optimization schemes are established. The two systems are compared and analyzed from the three aspects:validity principle, practical principle and efficiency principle, and the conclusion is drawn that the scheme is two. In this paper, we put forward the concept of credit management, marketing aspects of customer choice, strengthen credit management, comprehensive risk management mechanism in four aspects, these four aspects to improve the small business loan risk management has a positive role in promoting, and the implementation of relatively low cost. At the same time, in order to guarantee the effective operation of the optimized scheme, it is put forward that the innovation R & D post management system, the establishment and improvement of the internal control and compliance system, the strengthening of the training inspection, and the establishment of the four aspects of risk management assessment criteria and the practical significance of the protection conditions.This paper aims to provide a reference for the construction of small business loan risk management in Shaanxi branch of China Construction Bank. I hope this research can provide new ideas for small business loan risk management, and make the corresponding contribution.