Credit Risk Management Analysis Based On Online Loan Link's Cases Of GS Bank Western Branch

With the blossom of the global inclusive finance,mass entrepreneurship and innovation had been propelling by the Central People's Government of China for a long time.The small and macro enterprise had been growing up and gaining lots of remarkable achievements since the reform and opening-up policy forty-plus years ago,that seriously plays an important role in the country's economic growth.China central government and the State Council,who rolled out abundant of supportive policies and measures for hoping make an effective and close-set relevance between banking work and the real economy,attached the great importance on small and macro business' economical development.In the context of Financial Disintermediation concerning with Internet and immature risk management of the small and macro enterprise,the credit market supporting those small companies has been becoming a new point of breakthrough and increasing channel in profit,which is the one large commercial bank looking for.However,the risk management cost is fairly more expensive than the large and medium enterprise because of its more complicated elements.The small and macro enterprise face “financing difficulties” in a long time,since they essentially include some adverse factors,such as the grown-up period are shorter,their tangible assets are insufficient and they are easily affected by macro economy etc.The Western branch of GS bank,one of the largest commercial bank of China,who as an inaugurator and pioneer of the excellent small business financial service in Sichuan province,has been accumulating a lot of precious risk management experiences in recent years.This paper,discussing the inner operation and basing on online loan link's cases of GS bank western branch,mainly analysis the small and macro enterprises' status quo and problems in risk management,and sum up some beneficial experiences to build a more scientific system about the small and macro companies' operating condition,financial management,loan purpose,repayment ability and financing risk.With the purpose of controlling management of small and macro businesses and supporting a better financial service for those enterprises to help achieving much more money,the commercial bank should pay more attention to the risk management,which also will promote the whole efficiency of the small and macro enterprises' credit service and advance the whole country's economy getting a great more development rapidly and in healthy.