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Case Study of Small Business Loan Risk Controlling of China Construction Bank RH Subbranch

Author: ZhaoMeiCheng
Tutor: FanYuChen
School: Liaoning University
Course: Business Administration
Keywords: Small business Loan risk Risk control
CLC: F832.4
Type: Master's thesis
Year: 2012
Downloads: 11
Quote: 0
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Abstract


The small business is the very important part in the economy of china. With the improvement of internal and external environment, the value of small businesses become more prominet. The large enterprise that banks used to support have more financing channels, bigger bargaining power and less contribution to the bank now. The situation relying on large enterprises to maintain high growth in which the commercial banks have always been is now difficult to maintain. Meanwhile, small businesses become the strategic target for the banks’structure adjusting and competitive ability increasing, because the small businesses market is rich in resources and have great developing potentials. Since the reform of the state-owned commercial banks in2004, banks have actively promoted the strategic transition, accelerated the advance of the financial business of small businesses, and gradually completed the division of the competitive landscape for small businesses in their financial markets. However, in the process of adjustment and transition, the most important issue is how to balance the development and the risk control to achieve a win-win between banks and small businesses.This article mainly aims at a case study of a small business non-performing loan that happened in RH subbranch when the business strategy turned to small enterprises. According to the loan risk identification, assessment and control theory, along with the character of small enterprises, the article analyzed the whole process of credit investigation, credit approval and post loan management in small businesses loan to find out the methods to control the risk of small businesses loan in RH subbranch.Throu the analysis of the case study of the small business non-performing loan, RH branch will find out the shortcomings and correct it and implement differentiated credit investigation method, standard credit approval and post loan management policy of small businesses to improve the quality of small business loan, develop it in a healthy way and enhance competitive ability in banking industry.

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CLC: > Economic > Fiscal, monetary > Finance, banking > China's financial,banking > Credit
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