Research On Risk Management Of Chaoyang Bank Huitong Branch Loan Project Of Jiande Company

With the effective implementation of the national development of non-public economic policy,Small and micro businesses play an increasingly important role in increasing the income of residents,to meet the market demand,promoting technological progress,promoting regional economic development and other aspects.Compared with the contribution in the national economy,the financial support of small and micro businesses is far from enough.Financing difficulties have always been an important factor in the development of small and micro businesses.With the interest rate marketization and the influence of the direct financing channels,the competition among large state-owned commercial banks,joint-stock banks and small and medium-sized banks is becoming increasingly fierce.In order to realize the competitive advantage of differentiation,small and medium-sized banks choose small and micro businesses as the focus of market positioning,strategic transformation,and the breakthrough of income growth.But,in the traditional loan project evaluation,the collateral value is effective,supplemented by the financial data analysis.It is difficult for small and micro businesses to obtain credit fund support from banks because of their lack of standardized financial management and lack of sufficient mortgaged assets.Therefore,the innovation of Small and micro businesses loan guarantee way,get rid of dependence on collateral,risk analysis of Small and micro businesses loans project each link,extract the key point to strengthen and enhance the small and medium-sized commercial banks become bigger and stronger the main course of Small and micro businesses loans problem.In this paper,the project risk management theory and research methods,Chaoyang bank Huitong branch accepted Jiande company loan project as an example,analysis of the project risk management issues.The first chapter describes the background and significance,points out that Small and micro businesses to increase the income of residents,to meet the market demand,promoting technological progress,play an increasingly important role in promoting regional economic development,but the financing problem has been one of the main factors obstructing its development.City commercial banks are the main channel of financing for small and micro enterprises,and also have the will to provide credit support for small and micro businesses.How to solve the problem of small and micro businesses funds and meet the requirements of bank risk management,this is the research topic of commercial bank management.In this paper,Jiande company loan project as an example,research on credit risk management from Chaoyang bank Huitong branch angle,Small and micro businesses to expand financing ideas,it has reference significance for the development of Small and micro businesses of city commercial bank loan project.Then,the thesis expounds the research methods and research contents,and finally reviews the literature review and theoretical research of small and micro businesses loan risk management.The second part of this paper briefly introduces the loan project of Jiande company,and identifies the risks from the enterprise itself,the banking sector and the general economic climate.On this basis,the third part of the paper focused on analyzing the causes of risk formation.The number of customers Small and micro businesses,industry wide distribution,financial management is not standardized,the bank customer manager is subject to the support capability,the information system is very difficult to limit,for small and micro businesses credit investigation customer deeply,superficial,to give customers an opportunity to leave fraud.At the same time,the phenomenon of "heavy loans and light management" occurred frequently after bank lending,and it is very difficult to do risk identification and risk control work in a timely and effective manner.In addition,Small and micro businesses because the management level is not high,weak anti risk ability is congenitally deficient,and the general economic climate changes,may lead to a decline in operating cash flow and repayment capacity,increase the probability of loan default.Through the analysis of risk management research project of Jiande company loans,the paper put forward some suggestions and measures of risk management in the fourth part,through the investigation that audited financial data,to reverse the situation of information asymmetry,can grasp the real operation and profitability of enterprises,to build more in line with the Small and micro businesses management features of the credit evaluation system through;the establishment of risk pricing model is scientific and reasonable,perfect integrated credit management system functions,broaden the customer information collection channels,establish and perfect the risk warning mechanism,can take preventive measures,to reduce or avoid the loss of credit risk.In the current economic slowdown situation,not only through the innovation and development to help Small and micro businesses to survive,but also to grasp the point of risk management,in order to truly achieve win-win situation between banks and businesses,and promote the steady and healthy development of the local economy and the whole national economy.