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Banking financial institutions should actively explore new mechanisms for the operation of small business loans


Small business loans financial institutions have more stringent risk assessment system and method of financial indicators,[link widoczny dla zalogowanych], but some small businesses reporting poor financial indicators, such as asset-liability ratio is too high, less capital, capital accumulation is too low,[link widoczny dla zalogowanych], etc., the bank is given natural lower credit rating. Fourth, the impact of types of small business loans. Most small business by its own factors, demand for loans for fixed assets, the larger, fixed asset loans to such enterprises once the needs are met and embarked on track after normal production, the demand for liquidity is The banking institutions in the current macro-control policies under the influence of the approval of such loans, the audit is very strict in the growth of small businesses on the road difficult to cross this threshold. Third, the policy recommendations (a) thoroughly implement the loan pricing, reward and punishment system, staffing, credit mechanism, strategic arrangements; further defined development goals, direction and competitive advantage, get rid of one-sided, blind focus on expanding the scale of the inertia of thinking and business approach, adhere to the effectiveness, quality, scale and capital coordinated development. Also, do a good job and small business loans related to basic research, on the pricing mechanism, risk prevention, split accounting and statistical analysis, theoretical exploration, small business loans in order to provide business development support and guidance. (B) combined with their own advantages to the banking financial institutions and regional economic characteristics, extensive management innovation loans, loan guarantees for innovative and creative variety of regulatory authorities should actively guide the small and medium sized banks to businesses throughout the industrial structure and structural features, select the part of the basic conditions good offices to pilot small business loans, business process integration, innovative risk management mechanism, give full play to its regional and resource advantages. Now we should pay special attention to the way the security can not be over-reliance on collateral security company and I believe, to play to their full characteristics of information, by exploring the implementation of Security Plan, which allows the borrower to the guarantor of individual lack of security combined capacity of the establishment of joint security group etc., to improve the overall security capabilities. At the same time, but also explore the establishment of small enterprises and moral integrity of the file, according to small businesses in the past credit history of category management, and to promote attention to their own small business credit building,[link widoczny dla zalogowanych], and enhance the consciousness of repayment and reduce moral hazard. (C) to establish scientific and reasonable, specific and feasible incentive and restraint mechanisms is necessary to the operation of small business loans and management features, building different from the big bank's customer incentive and restraint mechanisms to abandon the traditional to the single, single-family loans held responsibility practices, comprehensive assessment of the management of small business loan officer's overall return on customer. The second is to develop an open, transparent and quantifiable remuneration incentives of credit, small business loan officers will be income and business volume, efficiency and loan quality, comprehensive performance indicators linked to the bottom in wages on the basis of security, supplemented by bonuses, car allowance , training, tourism and other incentives,[link widoczny dla zalogowanych], and fully mobilize the enthusiasm of credit. The third is to improve the accountability of small business loans, to be integrated in the overall quality and return on the basis of assessment,[link widoczny dla zalogowanych], development of credit management in accordance with their corresponding characteristics of the exemption clause to protect the small enterprise credit staff motivation. (D) strengthen the internal control system, the establishment of long-term mechanism to prevent the credit risk of financial institutions to develop sound banking supervision and corporate governance structure and new business development of the internal control system adapted to form a complete system of internal control system. Standardize the loan approval process, the implementation of loan approval separation, after strengthening the credit check, put an end to the arbitrariness of loan approval. Establish a scientific and quantitative evaluation indicators and performance appraisal system, especially for senior leaders to improve the irregularities and dereliction of duty system of accountability system, improve risk prevention, risk control and business development to achieve internal unity. (E) establish a risk management concept pricing, loan market segment, the differential interest rate pricing policy for different credit rating of the differential rates of small businesses can not only offset part of the loan risk, but also by the small business market segment, the largest limit access to profits. To support and supervise the banking institutions to further improve the pricing of risk awareness, establish loan pricing offset by some of the risk, the pursuit of greater profit margins of the business philosophy, and strive to form a modern risk-based pricing mechanisms; by means of enhancing training and exchange of the corresponding technology, personnel and information necessary for the accumulation of risk measurement methods to make new loans and loan rate-setting methods, the real business segments in accordance with market principles, valuation metrics of return and risk, the establishment of loan pricing model estimated interest rate loans to enterprises with different qualifications. �� port editors / 87 * High Hall-hui
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[link widoczny dla zalogowanych]

[link widoczny dla zalogowanych]

[link widoczny dla zalogowanych]