Agricultural Bank Of China Xx Branch Credit Risk Control Analysis

The Bank is the core of finance both finance and modern economy. Banks'credit risk is the centralized reflection of a variety of economic risks and also one of the most primary risks that all the commercial banks are facing. As the competition in financial industry becomes more intensive, all the commercial banks are strengthening the control of the risks, especially the risk control of credit fund during their operation. So that the banks, while developing their business continuously and improving the asset quality gradually, lower the proportion of non-performing loans, enhance their managing benefit as well as promote the competition ability.Based on the above acknowledgement, the main research of this article is how to control the credit risk of XX sub-branch of Agricultural Bank. Firstly, the article reveals the current situation of the sub-branch's credit risk by analyzing its credit situation such as asset quality,non-performing loans. Secondly, the article deeply analyzes the process of the credit risk control and find out the cause of formation of credit risk and the problems with credit risk control and management form aspects as follows: client structure about credit, related motivation measures, process of operation of credit, pre-loan investigation, checkup for loan, loan operation examination, and management of current non-performing loans. The article then offers solutions for how to guard against and defuse the credit risk regarding the existing problems, so that we can improve the credit asset quality of XX sub-branch and strengthen the credit risk control. Ultimately, the article discusses the systematical risk caused by macro-economical environment with which state-owned commercial banks are trying to cope and the prospects for improving macro-environment.With the 4 years of working experience as a creditor in XX sub-branch bank, the writer has collected and processed massive materials and data. The writer has also asked help of the department managers and colleagues to ensure that all the data and cases are complete and reliable.