Chang-an Bank Credit Risk Evaluation And Control Research

Although increasingly complex credit risk control situation and international banking strengthen supervision requirements have been prompted us in credit risk appraisal way and the control technology have made great progress, but in the structure of company treatment, risk management system, management level, risk measurement technology and advanced foreign Banks still have a large gap. Our city commercial bank does not have a set of credit risk with the quantitative evaluation of comprehensive method, and at present the evaluation method also is unilateral, not from the commercial bank credit risk point of view, the risk of determination scope and standards. The current it is bank system reform, use of foreign advanced quantitative model and practice method, and according to the requirements of the new Basel agreement, according to Chang-an Bank credit evaluation and control system research, to the city commercial bank strengthen credit risk management has great realistic meaning and practical value.Chang-an Bank as the local joint-stock bank, we take the small and medium enterprise service as the key work of credit and strategic development direction, actively explore and exploit the small business financing service mode and means, speed up the small business credit products and assure means innovation.In this thesis based on the present research at home and abroad, according to the related theory to Chang-an Bank credit risk evaluation and control of research. First of all, to Chang-an Bank credit risk evaluation, the process of credit risk including correct identification, analysis, classification, accurate measure of the size of the credit risk. Secondly, the credit risk control study of credit, and put forward the credit risk control system solutions, from credit risk early warning monitoring, process control, internal control three part of constructing Chang-an Bank credit risk control system. At last, from the United States of new loans category five classification and reference, credit risk control and improve and perfect the credit reference of international credit risk evaluation and control system of the three aspects Chang-an Bank and control system of perfect evaluation.