Research Of Credit Risk Management Of Q Credit Union

The core and traditional business of commercial banks is credit business. Credit risk, the corresponding risk of credit business,becomes the main risk faced by commercial banks.So the key to keep commercial banks sustainable development is to improve credit risk management, including management tools of credit risk, management capability of credit risk and management level of credit risk. The study object of this paper is credit risk management of a Q Credit Union,which is a not big local financial institutions.In this paper,based on the analysis of the current status of the credit risk management,I build a systematic credit risk management system to help it go out of the credit risk management misunderstanding. To a certain extent, this new system will raise the Q Credit Union's management level of credit risk. This new system also will do a practical significance favor to sustainable and healthy development of Q Credit Union.At first,this paper introduces Q Credit Union's business development situation-especially credit risk management present situation,current organizational structure of credit risk management, systems and infrastructure construction and credit risk management process.Secondly, this paper analyses some significant problems existing in Q Credit Union's credit risk management,and analyses causes of these problems from both inner and outer. Then this paper redesign Q Credit Union's organizational structure of credit risk management, systems and infrastructure construction and credit risk management process, and rebuild organizational structure of credit risk management and systems,and focuses on the design of management process of credit risk management. According to research process, as credit risk identification, assessment, monitoring and control, this paper establishes a credit rating system, a unified credit management system, credit risk warning system and credit risk control and treatment system. Finally, from the aspects of enhancement the external environment building of Q Credit Union and the establishment of internal security measures, this paper puts forward safe guards to keep Q Credit Union's credit risk management system work.