Research On Risk Management Of A Bank’s Small And Medium Sized Enterprises Joint Guarantee Loan From The Perspective Of Strict Supervision

Joint guarantee loan is a kind of business form of bank credit in our country,which develops from the initial rural credit to the main form of financing for small and medium-sized enterprises.Because the joint guarantee loan has the characteristics of no mortgage,simple procedure and quick payment,it has become the main form of credit for SMEs and alleviated the financial pressure for SMEs.But from another point of view,this credit model also has certain problems,SMEs use this form of financing time is short,there is no experience to draw lessons from,some places and SMEs own characteristics conflict.There are some problems in the actual operation,which has increased the risk of financing.In addition,many SMEs are afraid to assume joint liability and abandon this loan mode.From the bank’s point of view,this kind of business risk is bigger,the income is not high,the small and medium-sized enterprise capital chain is weak,the rate of breaking faith is high,the small and medium-sized enterprise information evaluation system is imperfect,the bank can not do a good job in risk prevention and control.Under the background of strict supervision,the unsecured loan business of banks has been greatly restricted.The management of bank loan business by relevant state departments requires banks to adjust their joint guarantee loan business under the existing control conditions,so as to urge major commercial banks to handle the joint guarantee loan business more carefully and reduce the risk of loan failure.Therefore,this paper has a strong practical significance in studying the loan risk and prevention and control in this mode.This paper first introduces the relevant theories of loan risk from the theoretical level,explains how the unprofor loan can avoid the risk itself,and reveals other riskpoints that may lead to the default of the unprofor loan.Based on A bank as the background,this paper introduces the bank under the strict supervision perspective of group loan business process and risk management present situation,and based on A bank in group lending risk management problems that exist in the process,to design A bank group lending risk management,such as the chamber of commerce for reference of group mode,build up mutual guarantee fund to reduce the information asymmetry between fact,improve the joint and several liability system,put forward jointly benefits encourage enterprises to payment on time.By merchants line method and the establishment of credit evaluation table quantify enterprise credit level,flattening management encouraged Banks to improve the system of bank defects,establish a dynamic group enterprise archives system,strengthening the construction of external safeguard measures,etc.