Research On New Century Company Loan Project Risk Control Of YT Branch Of ICBC

It is impossible to carry out financial business but not to business credit loansfor banks, Banks must take risks if they want to operating credit loans, it is that thebank need to take some risks for gains. If the banks do not want to take risks or donot carry the business with risk, it is difficult to develop and get expected profit.Business credit loans is not only to put the loan, but also how to identify and controlrisk effectively and earn credit loans operating revenue. In fact business credit loansis business risk. But, if the bank can not recognize and control the risk of the loans, itshould not be done. So, the essence of business credit loan is to prevent and controlrisks. Now, the problem of China’s banking industry of credit risk has becomeincreasingly attention. Credit risk management is an important part of themanagement of credit, which is an important means to prevent and resolve creditrisk.. YT Branch of ICBC has a history of20years of development, but the level ofcredit risk management is still relatively low, the management mode is tranfer fromextensive to quantitative, and meticulous. YT Branch of ICBC credit riskmanagement for the enterprise is still in its infancy, and continue to learn from theadvanced credit risk management experience and methods. Therefore, to improve thelevel of YT Branch of ICBC credit risk management has become the primary task ofthe Bank’s development, improve credit risk management system is necessary andurgent.This article takes a research on the characteristics, category, sources of risk ofthe new century company loan project in YT Branch of ICBC. By integrating theory with practice, we want to identify the issues of YT Branch of ICBC New CenturyCorporation loan program and proposed specific measures of how to analyze the riskcontrol for YT Branch of ICBC loans for the new century company project. And givesome suggestions for risk identification and risk control.The main business revenue of YT Branch of ICBC roots from the creditbusiness． Therefore，the management ability and revenue creativity on the creditassets determines our bank’s ability of business management and the profitsobtainment．However, a lot of serious problems exist in the bank’s credit assets suchas the unreasonable credit structure，1ess credit products and bad credit assetsquality,which call not sailstied the market demands at all and has seriously restrictedour bank development and the revenues obtaining ability.So,exploration on how tocontrol the risk of the loan project in YT Branch of ICBC New Century, YT Branchof ICBC credit risk control and prevention, and the steady development of the creditbusiness and contribute.The article analyze the actual problems existing in YT Branch of ICBC andpropose some useful solutions：Firstly,analyzing the credit risks and the business situation of YT Branch ofICBC，pointing out the aim of the study．Secondly, presenting the bank’s common problems and analyzing these problemsand reasons existing in the loan entrance and withdrawal for YT Branch of ICBC.Thirdly,based on the analysis of the actual business condition of YT Branch ofICBC，proposing some valuable suggestions and strageties for risk control and riskidentification.