A Study On The Outsourcing Business Of Commercial Banks' Small And Mid-sized Credit Loan Services

As the society's financial channels diversified and banks' credit loan business growth slowing down,banks are willing to expand small and mid-sized credit loan services,yet having to admit the unbearable cost and risk brought on by giving service to small and mid-sized enterprises.The whole process of outsourcing business of small and mid-sized credit loan achieves the best docking between banks and micro-,small-and medium-sized enterprises,which on one hand,decreases operating cost and risk of commercial banks,increases their business income and share the development progress of the credit loan market;on the other hand,provides the best finance approach for the small and mid-sized enterprises and individual industrial and commercial households with a loan demand and free them from their financing difficulties.It is also in line with the guiding principle of national inclusive finance.However,the outsourcing business of credit loan services cuts the control power of banks towards their businesses and the risk brought on is unnegligible.The purpose of this paper is to explore the principle and mode of quality selection of outsourcing service providers and risk prevention measures of outsourcing business in commercial banks' micro-credit loan outsourcing business.First of all,I extensively read and draw on relevant financial service outsourcing work,and paper based on economics and management theory,elaborated on the social benefits and advantages of commercial banks in outsourcing small and medium credit loans.Secondly,from the perspectives of commercial banks,Outsourcing service providers and small and medium-sized enterprises to introduce the economic utility of service outsourcing of commercial banks,and to further illustrate the opportunities and challenges that the business is facing.Thirdly,the paper analyzes the decision-making factors of service outsourcing of medium and small-sized banks in commercial banks,Selection steps,selection decision-making method of outsourcing service providers and selection criteria of outsourcing service providers in three aspects elaborate how commercial banks choose their own best outsourcing service providers elaborate,combined with LF Commercial Bank and DF medium and small credit loans Service outsourcing service cooperation case,analyzing the choice of outsourcing service providers on the one hand,and introducing the importance of risk prevention on the other hand,point out that the key of loan service outsourcing lies in the outsourcing risk control and the selection of high quality outsourcing service providers.Finally,from the perspective of outsourcing service providers Choosing steps to outsource service providers Selection decision-making method and evaluation criteria of outsourcing service providers,elaborating on how commercial banks choose the best outsourcing service provider for themselves;from the three participants(commercial banks,outsourcing service Business and financial regulators)in the business process to explain the risk prevention of micro-credit loan outsourcing in commercial banks.