| Small and micro enterprises have created great economic benefits for the society and provided a large number of employment opportunities,but the problem of"financing difficulty" has become a major constraint to the development of small and micro enterprises.There are three characteristics of small and micro enterprise credit,one is the difficulty of credit rating,and it is difficult to establish trust between Banks.Secondly,it is easily influenced by external environment factors and the operation uncertainty is large.Third,small and micro businesses have insufficient collateral and weak solvency.This "high risk" has become a constraint on the financing of small and micro businesses.Linyi is the largest small commodity trading base and logistics capital in North China.Linyi has a large number of commercial banks,In June 21,2016,the X Bank held a strategic cooperation agreement with the people's Government of Linyi and formally settled in Linyi.As Linyi is a trade and logistics city,Linyi branch of X bank combine the characteristic and provide exclusive financial products to local small and micro enterprises.With the advantage of "LuYi loan" and other exclusive financial products,X bank provide great customer services and create a unique service brand for small and micro enterprises."LuYi loan" is widely used in the Linyi market,but any credit product design is not perfect.This paper is based on the domestic and foreign related risk control theory,extended to the present situation and the risk management framework of Linyi branch of X bank small and micro enterprise development.Taking "LuYi loan" as the main object of study,the product definition,application conditions,guarantee mode,operation process and product innovation point of "LuYi loan" are introduced in detail.The analyses of the pre-loan inverstigation,audit in the loan,post-loan inspection and risk warning measures will also be provided.The product operation process is careful designed and widely used in Linyi but there are still bad loans in actual operation.Based on the really case analysis,X bank Linyi branch is facing 9 problems including the quality of the credit staff needs to be improved,the survey is not thorough enough before the loan,the guarantee measures are not diversified and the rating index is too dependent on the financial statements during the whole small and micro credit risk control process.These 9 aspects are also common to all commercial banks when they handling small and micro credit.According to the situation,the author puts forward 8 proposals including the establishment of information communication mechanism of multi levels,strengthen the on-site investigation of the cross validation verification method,analysis of the scientific refinement of financial indicators,the use of big data technology,improve risk warning ability,strengthen the construction of professional team,the introduction of effective punishment mechanism,to seek cooperation with the government the establishment of financing guarantee fund and strengthen the credit insurance mechanism.The original intention for the author to put forward risk control of small and micro credit proposals to commercial banks is to solve the problem of "financing difficulty"among small and micro enterprises.Referencing to the suggestions and measures above,only if establishing a wider range of small micro enterprise mutual chamber of commerce or association,perfecting the credit guarantee system and compensation guarantee system,optimizing the credit approval system of commercial Banks,promoting the compliance development of small financial institutions and informal financial services,improving the competitive power and regularizing the management of the small and micro enterprises small and micro enterprise,the problem of "financing difficulty" in small and micro enterprise can be solved gradually.Small and micro enterprises and banks can carry out the win-win situation of both sides. |
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