Case Study On Credit Risk Control Of Microfinance Business In Minsheng Bank

In recent years,in order to implement and implement the needs of the Party Central Committee and the State Council on improving financial services for economic entities such as small and micro enterprises and promoting the reduction of financing costs for small and micro enterprises,commercial banks including Minsheng Bank have begun to invest credit funds in weak funds.Small and micro enterprises.In response to the call of the state and the need to adapt to social development,commercial banks have begun to innovate their business forms.Driven by the pressure of grabbing pressure and internal profits outside the huge market,commercial banks began to increase the development of small and micro financial services,and tried to speed up the transformation of small microfinance business.However,the credit risk problem of small microfinance business has hindered its transformation.Therefore,the scientific,standardized and speed management of small and micro financial business of commercial banks is a must for the banking industry to face and solve.The problem.Minsheng Bank is the first joint-stock commercial bank in China to propose microfinance.The strategic positioning of Minsheng Bank is to be a private enterprise,small and micro enterprise,and high-end customer bank.In the business of small micro loans,it has always maintained a leading position.Minsheng Bank focuses on the design and innovation of small and micro financial products,and also focuses on strengthening contact and cooperation with small and micro customers.However,Minsheng Bank has also experienced the problem of difficult to recover loans.In this regard,people's livelihood began to prudently carry out micro-financial business,continuously integrate the current science and technology,and improve its own risk control system.Therefore,this paper chooses Minsheng Bank as the research object,and then studies the credit risk control of its micro-finance business.Based on the reality of Minsheng Bank,this paper analyzes the credit risk control problem of small microfinance business.This paper firstly understands the existing risks and existing risk control schemes of the microfinance industry of commercial banks by reading relevant literature,journals,books,etc.of microfinance business credit risk control,and learns lessons from them,and then adopts corresponding Analytical methods,combined with the actual case of Minsheng Bank and related data to analyze the credit risk and control of microfinance business.On the one hand,it analyzes the advantages of credit risk control of Minsheng Bank's microfinance business,and on the other hand,it makes a horizontal and vertical comparative analysis of the credit risk control effect of Minsheng Bank's microfinance business.Combined with the national policy documents and the actual operating conditions of Minsheng Bank,it puts forward scientific and reasonable credit risk control and management suggestions for microfinance business,and draws some inspiration from it,which helps to strengthen Minsheng Bank's awareness and prevention of such risks.To provide reasonable assistance for the scientific operation of Minsheng Bank,and also to help the future development of microfinance business including Minsheng Bank.