A村镇银行在全国有13家下属机构,股东有丰富的微型金融管理经验。2011年开业以来至当年年末,发放5亿元贷款中72.5%为中小企业贷款,不良贷款率为0%,低于同期大型商业银行水平。一、A村镇银行信用风险管理困境A村镇银行总部负责管理政策制订和业务指导,下属每家机构注册资本约4千万元。针对中小企业可抵押资产少的特点,A村镇银行综合中小企业资信状况设计了抵押品超额乘数,这在提升了业务竞争力的同时也扩大了信用风险敞口。总部设计了贷前贷后标准化的业务流程,并根据县域环境适用差异化的 A Village Bank There are 13 subsidiaries in the country, and shareholders have extensive experience in micro-finance management. From the opening of business in 2011 to the end of the year, 72.5% of the loans of 500 million yuan were issued as loans to SMEs. The non-performing loan ratio was 0%, lower than the level of large commercial banks in the same period. I. A Village Bank Credit Risk Management Dilemma A Village Bank headquarters is responsible for the management of policy formulation and operational guidance. The registered capital of each subsidiary institution is about 40 million yuan. In view of the characteristics of small and medium-sized enterprises with low collateralized assets, A township bank designed an excess multiplier for the collateralized credit of SMEs, which expanded its credit risk exposure while enhancing its business competitiveness. Headquarters designed a pre-credit loan business process standardized, and according to the county environment for the difference