Research On Risk Management Of Credit Enhancement Fund Loan Of Minsheng Bank Suzhou Branch

In recent years,the State Council has jointly increased support for small,medium,and micro enterprises with a series of tax reduction and reduction policies.Major stateowned and commercial banks have entered the market in succession.However,due to the poor management stability and insufficient collateral of small and medium enterprises,The information is opaque,and the risks are significantly higher than those of large enterprises.As a result,banks have to bear high risks while facing huge benefits.The innovative financial product of Credit Enhancement Fund effectively balances returns and risks,breaks information asymmetry,and realizes the enterprise.The winwin situation among the government,the government,and the bank is of great practical significance in alleviating the financing of small and medium-sized enterprises and promoting the establishment of a financing guarantee system.Based on the research background,this paper reviews the credit risk management of commercial banks and the credit risk management of credit enhancement funds from the perspective of banks.It analyzes the model,process,and customer characteristics of credit enhancement funds,and the status of credit enhancement funds for commercial banks in Suzhou.And existing problems,based on the actual situation,combined with Minsheng Bank's own risk appetite,analyze and summarize the problems existing in the development of credit enhancement fund loans,propose risk management countermeasures,and improve risk identification capabilities,build new models for risk measurement,optimize post-loan risk monitoring,optimize risk management Standardize ex post risk management and set up safeguard measures to enable Minsheng Bank to better run credit enhancement fund loan projects.Finally,it summarizes the risk management of Minsheng Bank's credit enhancement fund loan and looks forward to the introduction of social capital and professional institutions to strengthen the credit enhancement fund,thereby enriching financing channels,alleviating the financing of small and medium-sized enterprises,adjusting the industrial structure,and promoting the establishment of a financing guarantee system positive effects.