A Research In Risk Management For Small&Micro Business Loans In China Minsheng Bank Changchun Branch

In recent years, small and micro enterprises gradually into people's vision. This is determined by its important role to the state and society, mainly reflected in it can expand the tax, to provide more employment opportunities in a certain extent, which the maintenance of our country's social stability important. This paper based on the theory of risk management to do as the analytical framework, combined with the traditional credit risk management experience, to where the author Changchun Branch of Minsheng Bank as an example, through the Changchun Branch of Minsheng Bank small micro credit business development and has been in the small micro credit business risk management on the accumulation of advanced experience analysis. Refer to the policy and market orientation, Changchun Branch will continue to the credit of small and micro enterprises as an important strategic policy. In the original experience and methods of improve and strengthen, to develop a complete new small business and micro enterprise credit risk management mechanism, in the actual operation to be shipped with, reasonable and healthy development of small and micro credit business, let small micro enterprise loan business become the new profit growth point.This paper based on the Changchun branch of Minsheng Bank Small and micro businesses loans, Minsheng Bank pointed out that the current small and micro credit risk management still exist problems, the first is the internal credit evaluation system for large and medium-sized enterprises is not strong, only the mature credit evaluation system, and not specifically for a complete set of evaluation system of Small and micro businesses loans the second is the risk; management system is not perfect, can not be fully monitored loans and risk control; again is a risk early warning and information feedback mechanism is not timely and perfect, not for the first time to predict and control the risk of bad loans; finally is not timely, the problem caused by the loss and negative effect.Based on the above issues of comprehensive analysis, and combined with the practice, to some rationalization proposals put forward by the Minsheng Bank: the first is to improve the internal credit rating system, combined with external institutions to small and micro enterprise information inquiry platform. Followed by the sound of small and micro enterprise loan risk management system, the system is mainly for enterprises to carry out pre loan review, assessment of possible risks and credit for a series of tracking management. Then is to develop a comprehensive and detailed risk warning system to monitor the use of loan funds in detail, regular visits to customer premises to conduct on-site inspection. Finally is to develop perfect security system, strengthen cooperation and judicial institutions, as soon as possible recovering non-performing loans, reduce our loss.