Research On The Risk Control Of The Credit Business Of Private Enterprises Of WH Bank

In the past 40 years of reform and opening up,the private economy has been developing rapidly.The credit business of private enterprises has become an important profit growth point for financial institutions.However,from the actual situation of WH bank in the past 3 years,with the expansion of the scale of credit business of private enterprises,the risk of credit business has been gradually exposed,which has become a huge obstacle to the bank's ability to enhance its profitability.Based on the current situation of WH bank's private enterprises' credit business risk,this paper sums up the characteristics and causes of the risks based on the actual typical risk cases.Combined with the latest theories and achievements of international and domestic advanced financial institutions on risk control,this paper probes into the current situation,problems and causes of WH bank's private enterprises' credit risk control,and puts forward a complete conclusion.The results are as follows:(1)With the continuous expansion of credit scale of private enterprises,the risk of credit business of WH private enterprises continues to spread and the risk concentration degree is high.(2)There are serious risk control loopholes in the whole process of WH bank before,after loan and after loan;(3)The main causes are internal factors,impulse to create performance,management intervention,risk management system,and external factors.Information distortion(the counterfeiting of private enterprises),the loss of assets(transfer)and the indulgence of entrepreneurs.In order to improve WH bank's operating profit,reduce the non-performing loan rate of private enterprises and establish a long-term mechanism for compliance culture,the paper proposes to optimize the risk control of private enterprises'credit business before,after loan and after loan,following the three principles of scientificity,efficiency and practicability.At the same time,government departments should strengthen the strict supervision of private enterprises,and aim at them.The optimization plan and implementation guarantee are put forward.The characteristics of the thesis are as follows:(1)Topic selection is pertinent.Based on the work done,we need to study the risk control credit business of private enterprises,and follow the logical path of the current situation,problems,roots and countermeasures.(2)Typical risk cases.This paper analyzes the typical cases of WH bank's actual risks,and obtains the characteristics and causes of the credit business risks of private enterprises,and deeply explores the problems existing in risk control,so as to make the risk control and improvement programs more targeted.