Study On Risk Management Of Company Credit Operation At G Branch Of ICBC

In the21st century, with China’s rapid economic development, commercial bank’s reforms are being put on the agenda. In this period, the external business environment of our state-owned commercial bank have changed dramatically, especially with the promotion of state-owned enterprises reform and rapidly rising of the gradual non-public economy, state-owned commercial banks’trading object has undergone earth-shaking changes. The traditional risk management system has been unable to deal with the new situation and problems. In the traditional economic system of the bank, the policy risk is the major risk of our bank, but nowadays, it has been evolved into policy risk, market risk and credit risk.Savings and loan are the main businesses at G branch of ICBC, with less business types, the risk is relatively concentrated. Credit assets are the main economic source of banks, especially which a significant part of the credit assets are company credit assets. Therefore, a careful analysis of the bank credit risk management system of the company business is very necessary; the domestic and foreign advanced management experience is helpful to improve our state-owned banks’risk management system.This article start from the basic content of companies’credit business, then we carefully analyze the credit risk management theory, the domestic and foreign advanced experience and the situation of G branch of ICBC. We want to find the problems of risk management system at G branch of ICBC and put forward the suggestions.