The Bank Of Guangxi BBW Loan Risk Management Of Small And Micro Company

With the development of economy,the number of small and micro businesses in China has gradually expanded.It has accounted for the majority of the market players and plays an indispensable role in the development of China's economy.Therefore,in recent years,governments at all levels have issued a number of policies to support the development of small and micro enterprises,more and more banks began to favor the small and micro enterprise loan,which is a steadily growing business closely linked to the people's livelihood.As a local city commercial bank,Guangxi BBW Bank is duty-bound to serve and promote the economic and social development of Guangxi.Since 2010,the loan business of small and micro enterprises has been officially launched.By end of 201.6,the balance of loans for small and micro enterprises was 4.29 billion yuan.With the rapid development of business,the bank was faced with a lack of standardization in the.operation and management of small and medium-sized enterprises.It is difficult to standardize the loan procedure and there is no mature fixed model,which is the,.important purpose and significance of this paper.The core of this paper is the risk control of small and micro enterprises of Guangxi BBW Bank.By using the method of combining theoretical research with practical research,this paper makes a case study of domestic and foreign cases and the customer groups represented by the industry or business circle under the current economic situation.The risk control of BBW Bank of Guangxi is analyzed and studied in detail,and the following conclusions are drawn:The BBW Bank of Guangxi can improve its ability to resist risks by perfecting the control measures of credit risk,operational risk and other risks.Setting up the system of customer rating and scoring card,implementing the management after loan,speeding up and perfecting the systematization construction of operational risk control,strengthening and perfecting the management of human resources,speeding up the development and perfection of science and technology system,Rationalizing and standardizing the program loan reporting process,we should establish and perfect the risk monitoring and early warning mechanism of micro-loan,and pay attention to the reconstruction and maintenance of risk compliance culture.