Research On Risk Management In The Implementation Of CH Bank Microfinance Loans

The small and micro businesses have great significance to the economic and social development, while financing difficulty having been the important factor restraining its development. Based on the government's policy guidance and its own business development needs, CH bank launched the "Micro Finance" business which is serving for small and micro businesses. However, due to many reasons, there are great risks in the actual operation.From the macro and micro aspects, the thesis discusses the market environment that CH bank faced, and analyses the reality in the aspects of development prospect? business situation?risk monitoring. And then on the basis of fully understanding the operation process and management system of "Micro Finance", the thesis questions and analyses the existing problems in aspects of risk management?after-credit management ability?credit rating index. In tackling the before mentioned problems, the thesis gives the concrete suggestions and measures, such as perfecting the measures for assessment and accountability?establishing the exit standard?promoting the after-loan management ability?perfecting the credit rating criteria, to further improve the small and micro business credit risk management, and thereby promote the Operating characteristics and competitive advantage of CH bank.