The ABC Handan Renaissance Sub-Branchcredit Risk Factors And Preventiv Measures

Finance is a country's economic lifeline, is the core of modern economy. Commercial bank credit assets risk is evoked financial crisis important reasons. Since the inception of the commercial Banks and credit risk accompanies. Commercial Banks is the biggest characteristic of use client deposits and other borrowing money as the main operating funds for credit business. China's market economic development is not perfect, commercial bank's development is not standard, commercial bank credit risk emerge in endlessly. Therefore, the research of commercial bank credit risk genesis, and find out the effective measures to strengthen the credit risk management of commercial Banks, improve the quality of loan assets, and promoting the stable operation, fast development, have important practical significance.This paper studies to related theory as a foundation, follow the principle of integrating theory with practice, this paper firstly analyzes the agriculture bank handan Renaissance sub-branches credit credit risk management the problems and the causes of credit risk analysis, and puts forward a series of specific strengthen commercial bank credit risk management advice. I because of theoretical knowledge and practical experience is limited, and only for ABC handan Renaissance subbranch of study, no other related industries are studied, and the results will inevitably cause enough objective and accurate. And puts forward the preventive measures also is not comprehensive, needs to be further explored.The article is divided into five chapters first chapter introduces the paper quotes part expatiates the background, significance, objective, the domestic and foreign research research actuality, research contents, methods and papers in the basic framework, The second chapter of commercial bank credit risk, credit risk management relevant theoretical overview, The third chapter combined agricultural bank of China, the actual situation of handan Renaissance subbranch of a bank credit risk management of the current situation and existing problems of further research, The fourth chapter is commercial bank credit risk management Suggestions; improve The fifth chapter is the conclusion. Hope that the research in this paper, the theory with practice, to the agricultural bank of China in handan Renaissance sub-branches based on credit risk causes, and put forward some perfect measures for future commercial bank credit risk management system consummation provide reference and help, calmly perfect management system of credit, improve the quality of loan assets, implement the commercial bank continuous, stable and healthy development.