The Study On The Risk Management Of Small Business Loan For The DZ Branch Of CITIC Bank

Small businesses have played a huge role in the development of national economy,the employment of residents and the needs of consumers.But due to the lack of collateral and smaller,small business management is not standard,by actual control effect to the person,easily influenced by the economic cycle fluctuation and industry,and many other reasons,the bank to apply for a loan when inevitably affected by the "information asymmetry",has always been a loan is difficult.Difficult for small business loans fell in recent years,China CITIC bank is a large and medium-sized enterprises business primarily national shareholding commercial bank,but in the economic situation in the "new normal" for a long time,and under the influence of interest rate marketization,the bank actively adjust strategies,will be promoted to the retail business transformation to overall strategy,actively encourage branch develops the deposits,loans,small business financing and other retail business.The DZ branch of CITIC Bank was established in August 2015,whose headquarters put forward the strategic that "To The Retail Business Transformation Strategy",under the influence of the bank actively expand small enterprise loan business,the small business credit customers,loan balance achieved the desired results.But in this paper,the results of a survey shows that the whole defective rate on the high side of the branches of small business loans,reached 1.29%,significantly higher than that of the branch issued by large and medium-sized enterprises loans and individual housing loans,attracted the attention of the management of the branch.This paper argues that the high rate of failure reflects the neglect of the risk management of small business loans while the DZ branch of CITIC Bank has been growing.In order to make the DZ branch of CITIC Bank on small-business loans,a key retail business make up for the risk management,reduce trouble back at home in with competition,guarantee the healthy development of small enterprise loan business,in this paper,on the basis of literature study and field investigation,in order to design optimization of the small business loan risk management strategy as the goal,has launched a study on this subject.From The DZ branch of CITIC Bank to cut into the small enterprise loan business process and management,pointed out that the branches of small business customers,industry wide distribution,more affected by the actual control of people,business is affected by the economic cycle,these factors determine the small business loan survey information collecting,examining difficulties,post-loan management difficulties,brought The DZ branch of CITIC Bank credit process problems.For The DZ branch of CITIC Bank for the small business loan business development is expected shortage,there are full-time quantity and quality couldn't keep up with the person in charge,the lack of localization of small business loan product,examine the problem such as accountability mechanism is not reasonable.In order to design optimized small business loan risk management strategy for the DZ branch of CITIC Bank,this article put forward improving strategies from four aspects such as the credit flow,human resources,product,examine the accountability mechanism,and In the end sum up as four optimization strategies.Firstly,to improve the credit flow of small enterprises;Secondly,to optimize the distribution of the small business personnel;Thirdly,to design a clear loan product;Finally,to improve the accountability mechanism and preventive measures.The risk management of small business loans is the research subject that USES various means to resolve "information asymmetry" and improve the management ability of small business loans and credit.This article only for The DZ branch of CITIC Bank to improve the present situation of the small enterprise risk management was described,problem analysis and strategy design,in the current under the background of "marketization of interest rate",in the face of the commercial Banks collectively to the strategic trend of the retail business transformation,in the development of the small business loan business at the same time,also should consider the safety of commercial bank management,strengthen the risk management of such business.It is hoped that this paper has some reference value for commercial Banks in other cities of Sichuan province.