The Design Of Generalizing Micro-credit Guarantee Insurance Of Changchun Rural Commercial Bank

With the acceleration of the interest rate liberalization process,the net interest income is gradually reduced,and domestic commercial Banks are facing huge challenges.Although the major domestic commercial Banks are actively looking for other profit growth points,but the main way of profit is still interest margins.As changchun rural commercial bank focusing on serving small and medium-sized enterprises,its net inte-rest income has been decreasing year by year,and the non-performing loan ratio has been increasing in recent years.To achieve sustainable and stable development,new business models must be introduced to control the formation of non-performing loans while increasing net interest income.Micro-credit guarantee insurance can provide credit guarantee for small and medium-sized enterprises that have real loan demand and good credit but lack of collateral,so that they can obtain loans smoothly.In addition,insurance company is introduced into the business process as a third party to share the economic losses caused by the breach with the bank.For changchun rural commercial bank,the introduction of micro-credit guarantee insurance can bring a large number of loan customers and reduce the losses caused by non-performing loans to a certain extent.For Changchun,the introduction of micro-credit guarantee insurance can also solve the financing difficulties of small and medium-sized enterprises.Therefore,it is of great significance for changchun rural commercial bank to promote micro-credit guarantee insurance.This paper analyzes the development status of Changchun Rural Commercial Bank and combines the successful experience of other micro-credit guarantee insurance pilots to design a promotion plan for the micro-credit guarantee insurance business of Changchun Rural Commercial Bank.First of all,this paper expounds the research status and development status of micro-credit guarantee insurance at home and abroad.Secondly,the article describes the macroeconomic environment of Changchun City and the business situation of Changchun Rural Commercial Bank,and introduces several typical domestic development models for promoting micro-credit guarantee insurance business.Thirdly,the author designed the scheme of Changchun Rural Commercial Bank to promote micro-credit guarantee insurance,which includes four parts: design concept,specific content,main insurance process and risk monitoring.Finally,the article discusses the feasibility of the scheme design,and analyzes the four potential problems that micro-credit guarantee insurance may encounter in the promotion process: the lack of historical experience in the business promotion of micro-credit guarantee insurance;invisible liabilities increasing the difficulty to control risk;inaction for corporate default loans;the moral hazard of the bank itself.Simultaneously,in view of the above potential problems,this paper puts forward the propaganda work of enhancing the small loan guarantee insurance business;perfect the punishment measure to the enterprise of default;strengthen the construction of credit system;strengthen the training and education of business personnel.