Research On The Risk Control Of Small Enterprise Loan In Jilin GS Bank

Promoting the development of small enterprises is an important guarantee for maintaining the healthy and stable development of Jilin Province's economy,and is an important factor in the harmony and stability of people's livelihood and society.GS Bank of Jilin Province adheres to the credit culture and concept of compliance management and prudent lending.While vigorously developing the credit business of small enterprises,it also controls the development of associated credit risks,strictly adheres to the policy bottom line,and controls the substantial risks of loans.After several years of hard work,the small business credit business has made great progress and made great contributions to the economic development of Jilin Province.However,with the full development of the small business credit business,new problems have come one after another,and the potential risks have gradually appeared and been exposed,which has directly hindered the continued development of the small enterprises credit business.The exposure of risk forced GS Bank to be cautious in external financing and aggravated the psychology of “repaying loans”.It is no longer easy for GS Bank to establish and maintain relationships with small business customers.How to change this situation is urgently needed by GS Bank of Jilin Province.solved problem.This paper first introduces the theoretical basis of small enterprises and the views and views of relevant scholars at home and abroad on small enterprise risk control issues,then introduces small business related concepts,major credit products and policies,Jilin Province GS Bank small enterprise credit risk prevention and control system,risk Characteristics and traditional risk prevention and control methods further reveal the problems in the development of small business loans,enumerate the real cases in actual work,analyze the root causes of these problems,and finally promote the rapid development of small business credit.At the same time to prevent and control small business credit risk optimization recommendations and specific measures.This paper aims to find a template-based existence.Small business credit practitioners can use this template to predict and circumvent as many potential risks as possible.It is also a good learning method for discovering problems,asking questions,and solving problems.As a tool-based existence,it helps us solve practical work problems.The author believes thatsmall enterprises should pay attention to standardizing the financial system and management system of the enterprise,and improve the ability to adjust and resist risks in the national policy changes;banks must continuously optimize the loan process,and innovation is more suitable for financing products of small enterprises,and at the same time,improve credit personnel.The enthusiasm of the establishment of a comprehensive reward mechanism.Increase the strength of the large and small enterprise market,attach importance to the supervision and guidance of small enterprises,and better serve them;establish long-term and stable credit relations between banks and enterprises,and improve the quality of small business operators and the market competitiveness of products.In the end,we will achieve a win-win situation for the interests of banks and enterprises.