The Problems And Countermeasures Research On Credit Risk Management Of ICBC A Branch

Industrial Commercial Bank of China Ltd (hereinafter referred to as the "bank") is the largest, most powerful commercial banks. Industrial and Commercial Bank of A branch as compared with general representative city branch in the face of the complex domestic and international economic environment, more stringent regulatory requirements, financial support media and market interest rates gradually, to obtain stable and rapid development. But the results achieved at the same time, the situation is not optimistic about the credit risk management, credit risk management can not be ignored.Industrial and Commercial Bank of China while in the country has established a set of perfect credit risk management system, but based on a global perspective, the industrial and commercial bank credit risk management, especially credit risk management work of the city branch, there are irrational credit structure, imperfect processes, old management mode and a series of shortcomings, or even some aspects the backward has restricted the competitiveness of the city branch.A branch as industrial and Commercial Bank of China branch in the city of C, deeply influenced by the industrial and Commercial Bank of traditional status and development prospects of the business, and with a strong regional characteristics, can be said that the A branch is the epitome of industrial and Commercial Bank of city branch. In this paper, starting from basic concepts and taking layers of in-depth analysis of credit risk, the development process of credit risk management. The A branch of the internal analysis, a lot of credit data acquisition management staff interview, questionnaire, and combined with the actual situation of credit risk management of A branch of the work discusses the theories contact actual, discuss the existing credit management city branch of the problems and contradictions, to further clarify the significance of credit risk management for the city branch. At the same time, the future development trend of combining China’s banking industry, as well as the future financial market economic environment and regulatory policy, put forward opinions and suggestions in the A branch implementation of existing credit risk management, so that the A branch can be timely credit transformation, into the healthy and rapid development of the fast lane. At the same time, also has some guidance and practical significance for the reform of credit risk management system of the state-owned bank city branch.