Study On Risk Management Of Small And Micro Credit Business In Jiangzhou Rural Commercial Bank

With the development of the market economy and the intervention of the state at the macroeconomic level in the early 21 st century,the financial flow rate in the financial market is accelerating.The influence of factors such as high levels of capital and urgent needs,and its advantages in the financial market structure have become increasingly prominent.The emergence and continuous strengthening of this advantage,coupled with the increasingly fierce competition among banking businesses,driven by external competitive pressures and internal high profits,the Rural Commercial Bank continues to transform the small and micro credit business.To a large extent,it further promoted the vigorous development of small and micro credit business.However,with the prominent role of market regulation,the country's role at the level of macroeconomic policies has been reduced,and coupled with the practice of good and fast economic development,the growth rate of the macro economy has gradually eased.Commercial banks,especially those focusing on small and micro credit has a big problem in the recovery of small and micro credits for the business development of the Rural Commercial Bank,which leads to a high risk of this business.In addition,due to the particularity of the operational process of small and micro credits and the lack of management concepts,banks also have many problems in the management and control of the risks brought about by this business.Specifically,the key point of SMIC risk management and control is mainly to resist external macro risks brought by internal and internal industries,to control the risk of repayment willingness due to the absence of collateral,and to reduce the loss of information.The symmetry caused by decision-making and management risks.The main reasons for the lack of risk management of small and micro credit business are: First,the special nature of the “short,small,urgent,and frequent” micro-credit business itself;second,it is influenced by the concept of traditional banking business management.The special micro-credit business model deals with specific issues.Jiangzhou Rural Commercial Bank Co.,Ltd.(hereinafter referred to as Jiangzhou Rural Commercial Bank)was established in the middle of the 20 th century.So far,it has experienced nearly 70 years of development,and has become the main force supporting regional economic and financial development.As of June 2017,Jiangzhou Rural Commercial Bank has achieved a total of RMB 4.5 billion in total deposits and RMB 3 billion in loans,and has developed into a regional network in terms of network points,team size,service scope,and business scale.most.In addition,Jiangzhou Rural Commercial Bank kept abreast of the wave of financial development and achieved long-term development in the development of small and micro credit business.In the business system,it developed the Credit Suisse Link,personal commercial housing mortgage loan,public loan,and farmer household insurance.Loans and peasant household microcredit loans and other types of small and micro credit business,as of September 9,2017,has achieved a total of 1.759 billion yuan of small and micro credit,accounting for 60% of the total credit of Jiangzhou Rural Commercial Bank.However,there were 677 million non-performing loans.In order to study the risk management of the small and micro credit business of Jiangzhou Rural Commercial Bank,this article plans to discuss Jiangxi Jiangyin Rural Commercial Bank as an example.Before carrying out specific research and analysis,this article combines the background and significance of the research,and summarizes the domestic and foreign knowledge about the risk management of small and micro credit business,and then analyzes the main research contents and research methods of this paper.In addition,in order to show the necessity and possibility of the research that this article has at the theoretical level,this article elaborates on the concepts,characteristics,risk types,and evaluation criteria of small and micro credits.In addition,based on small micro Based on the theoretical basis of credit risk management,this paper lists three theories of information asymmetry theory,credit rationing theory and risk management theory.Then,this article specifically analyzed the development status of the small and micro credit business of Jiangzhou Rural Commercial Bank and the risk management status of its small and micro credit business.This is also one of the focuses of the research content of this paper,specifically the status quo of the development of small and micro credit business,The status quo of micro and micro credit risk management,existing problems in risk management,and the reasons for the existence of risk management issues were separately analyzed.In addition,this paper also conducts empirical analysis and reference on the small and micro credit business of Taizhou Bank and Texas Bank.In addition,this paper also pointed out the establishment of a scientific credit risk management concept,improved the credit risk management system,and improved the credit rating system for small and micro-credit objects in response to the current state of risk management and existing problems of Jiangzhou Rural Commercial Bank's small and micro credit business.Strengthen the innovation of credit products and services and strengthen the training and incentives of the bank's small and micro credit business unit staff.In the end,this article summarizes and sublimates the subject.