Research On Credit Risk Management Of Private Enterprises In X Bank Jiangxi Branch

Since the 40 years of reform and development,the private economy has grown rapidly in the wave of reform.It has gradually become the backbone of promoting the national economic process,promoting the upgrading of industrial structure and expanding employment opportunities.Between 2012 and 2017,private sector investment accounted for more than 60% of the total fixed asset investment.By the end of 2017,China's private economy has contributed more than 50% of the national financial revenue,supporting half of the national economy.It can be said that private enterprises have made great contributions to employment and economic growth.But on the other hand,the financing of private enterprises in banks has been subject to various constraints.Firstly,banks treat "state-owned enterprises" and "private enterprises" differently.They tolerate the risks of private enterprises less and are more cautious in risk intervention.Secondly,banks give private enterprises higher financing costs.On the other hand,banks are facing the pressure of "interest rate liberalization","benefit assessment pressure" and "capital cost increase".To further benefit the market,commercial banks must increase their support to private enterprises.How to balance the risk and benefit in the cooperation between commercial banks and private enterprises,and how to do credit risk management well for private enterprises have become an important issue.In this paper,we take X bank Jiangxi branch as a sample,and try to analyze this topic in depth.This article is divided into six parts.The first part is introduction.It explains the research background and significance of this paper as well as the domestic and foreign research trends on risk management of private enterprises.The second part first defines the risk characteristics of private enterprises and the analysis of private enterprises.Combining with commercial bank credit risk management theory,credit risk management method and the establishment of commercial bank risk institutions,this paper expounds how commercial banks control the risks of private enterprises in terms of risk management methods and institutional settings.The third part,from the angle of Bank X Jiangxi Branch,describes in detail the status quo of the bank's credit business for private enterprises.Starting from the three stages of development and the environment in which private enterprises are now located,this paper expounds the preference choice of the bank in terms of geographical region selection,industry distribution,credit product delivery and so on.The characteristics and ways of the bank's management of private enterprises are further explained from the aspects of post-loan management,innovation of private enterprises exclusive products and bad disposal.Then it expounds the operation mode and characteristics of private enterprises in the three links of risk identification,analysis and evaluation and risk management.Finally,on the basis of the description of the operation status of Bank X,the paper puts forward the existing problems in the credit risk management of private enterprises in the bank from five aspects: inadequate risk identification,rough risk assessment,poor post-loan management,lengthy process setup and imperfect accountability system.The reason behind the problem lies in the lack of attention to risk,control ability and risk awareness atmosphere.The fourth part draws on the experience of credit management in Hongkong,the United States and Japan.Among them,the United States credit business has a perfect credit organization structure,Hong Kong,China has a batch of credit services close to the market,and Japan has a unique credit guarantee system.By describing the credit characteristics of the three regions,the fifth part is the countermeasures and suggestions to improve the credit business risk management of private enterprises.In the fifth part,this paper puts forward five countermeasures and suggestions for the credit management of private enterprises.Firstly,in view of the complex risk situation of private enterprises,it is suggested to strengthen the professional ability of risk analysis and assessment from the aspect of bank internal control,and to give more independence to the risk line in the aspect of institutional setup.Secondly,according to the risk concealment characteristics of private enterprises,commercial banks should strengthen the information sharing mechanism with other banking institutions and non-banking financial institutions to further prevent information asymmetry;in addition,with the rapid development of the Internet,this paper proposes that commercial banks should speed up the process of Internet financial construction,in large data.Based on this,we can provide more efficient financial products.Thirdly,this paper suggests to further improve the loan guarantee system,expand and improve the risk mitigation measures;finally,this paper suggests to accelerate the development of innovative credit products,customize more risk-controllable financial products for private enterprises.The sixth part is the conclusion and Prospect of this paper.The main conclusions of this paper are: How to solve the financing problem of private enterprises,how to promote the cooperation between banks and private enterprises,the key lies in the bank-based financial institutions can establish a perfect mechanism to adapt to the credit risk management of private enterprises.Firstly,an effective risk management and control model should be set up in the mechanism structure,secondly,personnel with professional ability and market experience should be selected to enrich the post of risk assessment,thirdly,industry access standards suitable for private enterprises should be refined,and an effective guarantee system should be expanded.Fourthly,post-loan management should be put into practice.Details,strengthen the business management of the life cycle,improve market sensitivity and responsiveness,strive to strangle the risk in the seedling,to achieve rapid exit of risk.Fifthly,we must strengthen the construction of Internet data and the creation of innovative products.Only by strengthening the construction of credit risk management system in private enterprises of banks can the cooperation between banks and private enterprises go farther and faster,and achieve a bigger win-win situation.