H Bank Small And Micro Enterprise Loan Guarantee Risk Case Study

In recent years,the importance of small and micro enterprises in economic development has become increasingly prominent.However,for a long time,small and micro enterprises have always faced the problem of financing difficulties,especially the downward pressure on the economy,and the lack of effective collaterals for small and micro enterprises.The high default rate of loans and the high risk control requirements of commercial banks exist.Contradictions,therefore,commercial banks are mostly reluctant to lend to small and micro enterprises from the perspective of risk control.In this context,small and micro enterprises guarantee that secured loans provide an effective way for their financing.In the face of high commercial bank loan thresholds,rural commercial bank credit has gradually become a new channel for small and micro enterprise credit due to the characteristics of services oriented to urban and rural areas,to the public,and to small and micro enterprises.H Bank is a local joint-stock rural commercial bank(reform of rural credit cooperatives).Small and micro enterprise credit business is an important part of the sustainable development pattern of H banking credit business.Small and micro enterprise guarantee financing is particularly obvious in H Bank,but the guarantee category Loans are frequently risky and pose a significant risk to their credit operations.This study takes the case of loan default of Company A in Bank H as the research object.Firstly,it analyzes the credit default of Company A and the default situation and reasons of Company B which provides guarantee.It is believed that the bank failed to make the profitability and industry prospects of Company A.Accurate judgment,there is no obligation to inform the guarantor B's ability to pay and the willingness to pay from the law,the bank's own system seems to be perfect,but there are problems in the implementation,the system is perfect and the implementation results can not be unified Secondly,according to the bank credit procedure,using the in-depth interview method and the questionnaire survey method to analyze the risk of H Bank's default case in Company A and conduct risk identification and evaluation,the external environment research risk before the bank loan,the audit risk in the loan and The evaluation and evaluation of the post-loan regulatory risks are identified and evaluated.Finally,because the case of Company A's H bank default has a typical analysis and reference significance for the risk management of other small and micro enterprises in China,this study proposes a method to prevent similar risks according to the case analysis of Bank H.The main contents are as follows: First,strengthen the risk control of external environmental research before credit,including strengthening the investigation and analysis of the policy environment and strengthening the research and analysis of the market environment.Second,strengthen the risk control in credit review.Specifically,it includes risk control of credit qualification review,risk control of credit business capability audit,and risk control of compensation guarantee object review.Third,post-loan regulatory risk control.Specifically,it includes strengthening the business supervision of loan companies and strengthening the supervision of guarantee enterprises.