Shareholders of micro-credit enterprises of China Construction Bank are facing risks. These risks include market risk, project risk, market value risk, policy risk and general business risk. In addition, the interest rate and guarantee requirements of microfinance are higher than those of ordinary enterprises, so the risks faced by shareholders of microfinance enterprises are also greater.
What are the outstanding performances of credit risk of private and small and micro enterprises in the second half of 2022?
Four outstanding performances of credit risk of private enterprises and small and micro enterprises in the second half of 2022.
1. Implement the fiscal relief policy.
2. Continue to make good use of inclusive microfinance support tools, refinancing, rediscounting and other policies, strengthen positive incentives, and guide financial institutions to follow the principle of marketization.
3. Further strengthen the financial service capacity building of small and medium-sized enterprises, and urge commercial banks to continuously optimize internal resource allocation and policy arrangements.
4. Strengthen coordination and linkage with finance, development and reform, industry and information departments and local governments to promote the application of credit information.
Problems in Small and Micro Loans of Rural Commercial Banks
Risk problem.
Existing problems:
1. There are few kinds of products and low quota.
2. The credit rating is not standardized.
3. Microfinance is risky and has poor sustainability.
4. The staff quality of rural commercial banks is low.
Problems and countermeasures of micro-credit business in rural commercial banks;
1. Strengthen the research and development of microfinance products and gradually increase the quota.
2. Improve the micro-credit business process and standardize the credit rating.
3, the implementation of risk compensation system, expand the source of funds.
4. Increase the publicity of micro-credit and improve the overall quality of employees.