Study And Control Measures For Credit Risk Of Small And Micro Business For Dezhou Branch Of PSBC

With the rapid development of China's economy,the number of small and micro enterprises has been increasing.However,due to the small size,simple equity relationship,relatively insufficient operating cash flow,and extremely imperfect financial system,etc.Small and micro enterprises are faced with difficult financing,slow financing,expensive financing and so on.The national and local governments have taken the financing of local small and micro enterprises as a key issue.As a firm executor of the policy “Inclusive Financial Bank”,Postal savings Bank puts the development of small and micro enterprise credit business on the strategic level,but from a practical point of view,the benign development of small and micro enterprise credit business is still difficult.As the main credit business of Dezhou branch of Postal savings Bank,Its loan balance has exceeded 30% of the bank's stock credit business balance.The asset quality of small and micro enterprise credit often determines the overall loan failure rate of Dezhou branch of postal savings bank,while the risk of business is difficult to accurately control.If the problem of financing and credit risk prevention and control of small and micro enterprises cannot be solved fundamentally,the banks' support for the local economy and their own development will be greatly compromised.In face of the current economic situation and financial environment with increasing credit failure rate of the bank's small and micro enterprises,constructing risk prevention system of small and micro credit business is urgent.So how to identify and control the credit risk of small and micro enterprises is of great significance to the Postal savings Bank and even the whole bank.Based on the research logic of "finding problems,investigating and analyzing problems and solving problems",this paper explores the credit risk prevention and control of small and micro enterprises in Dezhou Branch of Postal savings Bank from six aspects.The first part describes the background and significance of the topic selected.This paper mainly expounds the background and significance of this topic and combs the literature on credit risk prevention and control of small and micro enterprises at home and abroad.Finally,it clarifies the research objectives,research methods and quasi-innovation.The second part is related theory and application.It mainly elaborated three parts including the small and micro enterprise classification and the content,credit risk content and the characteristic,risk prevention and control theory foundation,thus establishing the theoretical foundation for this article research.The third part is the status quo and risk control analysis of small and micro enterprises in Dezhou branch of Postal savings Bank.This chapter first describes the postal savings bank Dezhou branch small and micro credit business types and development to analyze risk type and risk control status,and finally summarizes the main problems of small and micro credit risk control in Dezhou branch.The fourth th part mainly introduces the internal risk loan case of Dezhou branch to analyze the business risk of Dezhou branch more intuitively and profoundly.Part fifth introduces the risk prevention experience of domestic and foreign banks.In this chapter,choosing Wells Fargo Bank of the United States,which is least affected by the global economic crisis and does best fin cross-marketing,and Minsheng Bank,which does best in domestic small and micro enterprise credit business as a case to analyze the risk prevention and control measures for the credit business of small and micro enterprises.Part sixth puts forward the countermeasures to improve the risk control of small and micro credit in Dezhou branch of Postal savings Bank.This chapter separately strengthens five parts including the risk control top level design,consummation of the management frame,risk control mechanism for each stage,and the bad assets disposition risk control mechanism to propose the risk control measure in detail.