JS Bank S Provincial Branch Small Business Credit Risk Management Research

Financing has long been plagued by the development of small business the most important factor. Commercial banks, credit risk are the main factors of bank credit to small businesses. In macro-economic downturn and the financial impact of an increasingly competitive market, the decline in performance of commercial banks, the amount of non-performing loans and non-performing rate double liters. Banks still room for development as a commercial business segment for small enterprise credit business will become a new profit growth point and the focus of competition commercial banks. Large enterprises JS Bank S provincial branch of large customers with very limited resources, to expand small business services is particularly important. Therefore, how to strengthening the small business credit risk management, the bank achieve a win-win situation worthy of further study.In this paper, case study analysis, theoretical and empirical combination of case analysis method to analyze the current situation of small business credit risk management JS Bank S Provincial Branch, problems and improvement measures, the following conclusions: (1)Research results on the performance of commercial bank credit risk and a more profound analysis of the causes, but in terms of the level of countermeasures seemed mixed, somewhat lacking in substance, operability is not strong. (2)JS Bank S Small Business Provincial Branch maintained overall healthy, stable development of business volume, the total contribution of three customers and continue to grow, but there are still more difficult business development, internal credit management linkage mechanism is not formed, the bulk based on credit needs to promote more difficult to control asset quality and other issues, and that macroeconomic risks (market risk, policy risk), small business risk (credit risk, guarantee risk) and commercial banks risk (risk management, operational risk, ethics risk) and other credit risk. (3)JS Bank S Province branch of small business credit risk management is "Small Business-Small business center-branch network type" three credit risk management framework. Small business credit business process is divided into nine areas, namely customer marketing, customer selection, customer selection, credit evaluation, credit approval, execution, early warning, tactful withdrawal credit downgrade and forced back like I said nine areas summarized as pre-loan investigation, loan-review stage in three phases and post-loan management. Problems JS Bank S Province branch of small business credit management inadequate credit risk awareness, early warning management tool to use is not in place, customer relationship management systems are imperfect and overdue loans recovery and disposal is not enough.In this paper, the provincial branch of S JS Bank Small Business Credit Risk Management as a research object, how to help the bank to establish a more efficient credit risk management system, the study will be helpful to provide some method of analysis and management of small business credit risk for commercial banks and ideas.