Research On Risk Prevention Of Ordos Branch Of Bankers' Bank

The private lending prevailed in Ordos, and contained problems and risks increasing. The case of Su Yannv and Wang Fujin which was Zhongfu estate boss suicide by hanging recent years, it vividly took a risk management course, has rung alarm bells for the bank’s business development. The banks in Ordos have some problems, which the prevalence of current private lending banking funds strand breaks caused by the credit crisis, and continuously since2011macro accumulation of contrarian growth of the real estate loan risk. Period of economic downturn in the Ordos, the risks of commercial banks become more complex, diversified. In the increasingly fierce market competition to win, strengthen risk prevention has become imperative. The face of increasingly fierce competitive environment, how in the complicated financial environment to maintain stable development, as well as how to maximize circumvent usury collapse sparking a financial crisis brought about negative effects, is a problem to solve for Ordos Branch of Baoshang Bank. Therefore, the contractor bank branches Ordos risk prevention strategies discussed not has theoretical research value, but also has real practical significance.This article based on the actual situation of the Ordos financial markets, by analyzing Ordos Branch of Baoshang Bank contractor status of risk prevention, detection and risk prevention in its proposed series of problems, and as a basis for further studies drawn reasonably practicable risk prevention measures. During the study, the author draws on other peers in different aspects of risk prevention initiatives on risk prevention contractor bank branches Ordos work experience for reference. The author believes that the bank in risk prevention to solve problems and improve the level of risk prevention, the need to strengthen market research analysis, good product market positioning, according to the different products and different customer groups, create different risk prevention mechanism; also need to play credit risk culture, the role of education, the concept of risk management throughout the entire credit process. Contractor bank branches Ordos too centralized to prevent credit risk adjustment loans to invest, take a variety of security measures in the capital, liquidity and efficiency in terms of finding a balance in order to ensure the contractor of Ordos Branch of Baoshang Bank healthy and sustainable development.