Credit Risk Management Of Small And Micro Enterprises In Changchun Branch Of Huaxia Bank

Small and micro enterprises are taking a big part in China,they create great social value to pull the vitality of employment promotion economic.Obviously loan transaction about Small and micro enterprises have unlimited potential.Along with the economic downward trend is obvious,Jilin province and the northeast economic development across the country came to sink.Recently some banks are looking for new promotion of profit.Beginning in 2016,including the bank of China,China construction bank,Minsheng bank,citic bank has stopped the access of small micro enterprise credit.From 2011 Hua Xia Bank start to adjust his development strategy.But think about the poor financial management,the risk and return,short of experience in dealing with Small and micro enterprises,How do we balance these benefits with the risk? The answer to this question means lot to Hua Xia Bank too.Hua Xia bank based on risk management in all-around ways,also build three level of management organization.According to post division,credit product management,credit system management and authorization management,we build a relatively complete risk management system.This article aim at the five question we already had between small and macro enterprises credit risk management,put forward relevant suggestion: build small and micro enterprises financial divisional organization,increase suitable position,complete our own risk estimate system,complete appraisal and evaluation system.When we truly fix the problem about credit risk management,a lot of people will profit from benefit by this,and it also means a lot to fight with the poor economic situation.In order to optimize the credit management of small micro enterprise in changchun branch of huaxia bank,We applies the credit risk theory,such as "small business retail and non-retail rating analysis","general and special risk warning signal system construction",I talk with customer manager,customer manager,director of full-time approver,post-loan management about our work.Get conclusions as following:In order to ensure the steady and healthy development of the batch development business,the branch needs to further enhance the overall process management of the platform customers.To improve the quality of credit assets of small and micro businesses;The branch needs to further strengthen the management of single customer credit.To achieve early identification of risk early warning signal,to guard against credit risks,branches need to further improve the small micro enterprise credit management ability,including establishing perfect asset quality testing system,and in a timely manner to the troubled loans to adopt effective protective measures.Explore ways to diversify more outstanding loans.we will establish a credit rating risk management system and improve the ability of risk management.