Research On Risk Management Of Small Business Credit Business Of F Branch Branch Of Postal Savings Bank Based On New Basel Accord

The small business finance gradually become strategic business of some commercial bank. The risk management of small business credit as an important content of risk management of most commercial Banks. Due to the small businesses as credit object widespread lack of mortgage, pledge, financial statements is not standard, information asymmetry and moral risk, high rate of internal problems such as collapse of small business credit business, so the risk management of small business credit is more difficult than that of others.But with the expansion of the scale of credit for small businesses and the credit products enriching, small business credit risk management increasing more and more difficult. And economic environment changing and the change of the financial markets have also increased the complexity of the small business credit risk management.'Rules for Regulating the Capital Adequacy Requirement of Commercial Banks'which was revised by China Banking Regulatory Commission (CBRC) in2006, demonstrated that the domestic banking supervision started introducing the new Basel standards. In2011, the banking regulator is the commercial bank capital management method "open for comments, and implementation of the methods and determined schedule. Establishing a new small business credit business and will gradually expand the company credit range of PSBC branches in increasingly how province F with international capital regulatory system to realize the standard business development and risk control synchronous? How to improve risk management strategy and measures in Small business credit business in? By using the theory of the combination of practice and research methods, in financial supervision and financial risk management based on the theory of PSBC, through to small business credit business risk management present situation investigation to the new Basel agreement and in small business credit business management guideline in the function of, and strive to find PSBC in the small business credit business risk the problems existing in the management. Based on the analysis of the new Basel minimum capital requirements, risk measurement method and slow-release tools basis, combining with PSBC branch of actual F province was put forward based on the new Basel capital accord the three pillar of small business credit risk management strategy, and puts forward concrete measures to optimize and improve.