Study On Credit Risk Control Of Smes In ZG Bank Taian Branch

In March 2018,the State Council issued the Guiding Opinions on Regulating the Asset Management Business of Financial Institutions(hereinafter referred to as the "New Regulations on Asset Management"),pointing out that financial institutions should,in accordance with the overall requirements of "serving the real economy,preventing and controlling financial risks,deepening financial reform",firmly guard against and defuse major risk attacks.The decision-making deployment of "Strong Fighting" insists on the bottom line thinking of strictly controlling risks,and adheres to the fundamental goal of serving the real economy.At present,commercial banks are vigorously developing Inclusive Finance under the requirements of the new capital management regulations.However,due to the high risk of credit default of SMEs,in order to avoid the risk,it is particularly important to strengthen the control of credit risk of SMEs.ZG Bank Taian Branch has paid great attention to the rapid rebound of non-performing loans,taking credit risk management and control as a top priority,increasing the proportion of credit management assessment,and striving to achieve credit risk management and control in place.However,ZG Bank’s Taian Branch’s SME credit business still has a high risk.Therefore,under this background,this topic will be selected for research,and all aspects of SME credit will be sorted out,and new credit risk control methods will be explored,which will help improve ZG.Bank Taian Branch’s SME credit management level reduces the credit risk of SMEs.This study uses induction and deduction method,comparative analysis method,literature analysis method,relying on the generalized risk management theory,risk assets management theory,credit risk control theory for analysis,followed the main idea of "raising problems-analyzing problems-solving problems" carried out a more in-depth study.The third part is the current situation of credit risk control for SMEs in Tai’an Branch of ZG Bank,the fourth part is the analysis of the problems and causes of SMEs’ loan risk control in Tai’an Branch of ZG Bank,and the fifth part is the analysis of the reasons.The study points out that the main problems of SME loan risk in Tai’an Branch of ZG Bank are that the process of loan examination is not strict,the credit awareness of SMEs is seriously affected,there is no clear five-level classification criterion for risk prevention,and the moral hazard of credit officers is prominent.The main reasons for the problems are as follows: the imperfect policies and regulations on loan risk control of small and medium-sized enterprises lead to the impossibility of credit examination and approval;the management mode of small and medium-sized enterprises is directly managed by legal persons and less interference from outside,which results in the great influence of legal persons’ behavior on enterprises;and the credit rating management is difficult to define by regional differences,so that it is small and medium-sized.The classification management of enterprise loan risk has not been carried out according to local conditions,which results in irregularities;the owners of small and medium-sized enterprises are good at implementing various marketing techniques,which leads to serious internal rent-seeking problems in the risk control of branch loans.Based on this,this paper puts forward four countermeasures to strengthen the risk control of SMEs’ loans in Tai’an Branch of ZG Bank.In the aspect of improving the policies and regulations of SMEs’ loan risk prevention in Tai’an Branch of ZG Bank,it puts forward strengthening the support of external policies for SMEs’ loan risk prevention,and establishing perfect SMEs’ loan risk prevention.In terms of strengthening the management of loan risk rating for SMEs,it puts forward the guidance and cultivation of good credit awareness of SMEs as legal persons,implements the "joint guarantee" SMEs loan model,and transfers the risks of SMEs brought by production and operation to third parties.In order to implement the classification management of SMEs’ loan risk,it is proposed to formulate five-level classification criteria for SMEs’ loan risk according to the actual situation of each township,to formulate differentiated SMEs’ loan risk tracking management system according to the five-level classification,to improve the non-performing loan reserve system,and to comprehensively reduce the risk prevention of SMEs’ loan.In terms of internal rent-seeking space,it is proposed to strengthen the training of credit officers’ professional literacy,clarify the joint and several responsibilities of loan examiners of small and medium-sized enterprises,and strengthen the incentive mechanism for controlling the non-performing rate of loans of small and medium-sized enterprises.At the same time,from the four aspects of organization,personnel,technology and culture,we construct the guarantee mechanism of credit risk control for SMEs in Tai’an Branch of ZG Bank.