Research On Credit Risk Management Of Z Branch Of China Construction Bank

Bank is enterprise management risk, risk managers have long been committed to the control, good control of credit business’s overdue, non-performing loans, to maintain the security of funds in daily operation, to ensure the liquidity benefit, so that the bank of long-term stable development. Since 2014, the economic development of our country enters the new normal,2015 full-year GDP growth of 6.9% over the previous year, by the high speed development to the high speed development speed. Adjustment of industrial structure upgrade, some enterprises face of rising costs, product prices and sales decline, leading to the enterprise capital chain rupture is unable to repay the bank loan, makes commercial bank asset quality to drop, in this kind of situation commercial bank credit risk management must be strengthened.This article take the construction bank Z branch as the research object, firstly this paper discusses the construction bank credit business Z branch and the current situation of credit risk management. Then analyzed respectively in risk identification, risk assessment, risk monitoring and early warning and risk in the process of dealing with problems, and analyzed the reasons. Finally put forward the corresponding improvement strategies:set up the correct credit risk management concept; Adjust the structure of the customer, pay attention to risk managers professionalism, communication skills and ability of the self learning and management; Optimize customer risk monitoring and early warning, monitoring and early warning of risk of product, and risk monitoring and early warning of controlled-release tools work; Rich of bad assets disposal ways.