Bank Of QD To Small And Medium-sized Enterprise Multiple Private Loans Lending Risk Research

China's small and medium-sized enterprise multiple private loans originated from the farmers-joint guarantee loans.However,with the characteristic of state subsidy and the lack of awareness of risk,resulting in no significant development of farmers-joint guarantee loan.Instead,the credit model transplanted to the small and medium-sized enterprises have made great development.Recent years,zhejiang hangzhou and Shanghai steel trade industry multiple private loans crisis outbreak which aroused concern about the risk control of multiple private loans for small and medium-sized enterprises.Multiple private loans have the characteristics of "voluntary groups,guarantees each other,mutual supervision".Once the individual member's enterprise capital chain rupture due to the business problem arises,it will affect the group.The original intention design of multiple private loans is avoiding the risks spread.Bank through the "collective" system to the coinsurance group companies set up credit cost is authentic,and set up credit costs between Banks and borrowers can be"loan repayment" game into a coinsurance group member companies of the credibility of mutual supervision between the game.In-depth reality three classic case found,one is about as bright as case,coinsurance enterprise "more than a 'protect" and "more than one enterprise credit".The former is easy to form a multiple coinsurance envelops a vicious cycle of debt situation series of defaults,makes the risk of default spread faster,do not know how to start the creeping regulation.The latter requires more sharing of group enterprise information between Banks and financial enterprises in the actual operation of coordinated supervision put forward higher requirements.The second is to make the group lending system continuously revised and perfect the mechanism design,so as to adapt to the change of the situation.Shanghai steel trade group case illustrates practicable plan at the beginning,may be more and more inefficient,and even the cumulative risk.Make sure the core elements of group lending is not qualitative change,for example,the effectiveness of the supervision and punishment in the group,and so on.From the perspective of group lending to prevent risks,reduce the systemic risk of small and medium-sized enterprise group lending to follow two points:one is to try to arrange "negative correlation" of industry higher enterprise form a coinsurance body;The second is to dynamic supervision of market investment risk,timely adjust the proportion of group lending credit institutions and coinsurance group size.Secondly,according to the characteristic of group lending mechanism design,can raise the risk of group lending team members from cognitive ability;Cross report for loans related information directly;Add group internal punishment to improve the system of group lending.Should be paid attention to when performing,group lending,credit institutions in strict admittance standard of coinsurance body;Reasonable credit;Enhance the coinsurance body through the platform management;risk management;And gradually enhance the couplet of group loan portfolio management.