| Credit risk is one of the most critical risk types of financial institutions risk system, but also the development of small and medium-sized financial institutions in our country the most risk factors of attention. In the financial and economic development is not stable in recent years, China attaches great importance to the whole financial industry credit risk, the Central Bank of China in the financial sector, particularly the lower the credit of financial institution supervision is very powerful and strictly, but it does not fundamentally change the current situation of our country small credit risk for the financial structure of bankruptcy, credit risk control and management of our country financial institutions, especially the key work to prevent and control the risk of small and medium-sized financial institutions. This paper adopted the method of literature review and case analysis in the process of research, through to the domestic and foreign related financial institutions credit risk control theory carries on combs, taking f bank as a case study, explores the existence of credit risk control of bank F of the problems and deficiencies, combined with the theory of the new Basel accord, the capital and risk combination countermeasures to construct control, f bank credit risk.This paper mainly consists of the following parts: the first chapter is introduction, the perspective of the small and medium-sized financial credit risk control research background, introduces the research goal of this paper, research significance for the small and medium-sized financial institutions credit risk control, as well as the research ideas, research methods; review and the related literature at home and abroad. The second chapter summarizes the theories of small and medium-sized financial credit risk control, credit risk on the meaning and classification; credit risk control concept and content in this paper; the definition of small and medium-sized financial institutions, combing the characteristics of medium and small financial institutions; relevant science and new Basel accord, points out its three pillars-- minimum capital requirements, supervisory authorities(internal control) supervision and inspection(external supervision, the disclosure of information)(market discipline), this paper constructs a theory frame. The third chapter is case study of F bank credit risk control. A brief introduction to F bank, from the aspects of F bank credit risk control process and effect and points out that the F status of bank credit risk control; analysis of the main problems existing in the F bank credit risk control, for lack of a method, credit risk control, credit risk control system is not perfect, risk management and internal control system is not perfect; analysis of bank credit risk management control of the causes of the problem from the economic factors, the bank’s own factors, other factors. Measures of the fourth chapter F bank credit risk control: clear F bank credit risk control strategies, optimization of F bank credit risk control system: establish the risk early warning index system of visual science, the implementation of "separation of the three powers" loan review organization framework, building an effective system of the loan approval process, establish and improve the risk management of post setting; the specific countermeasures of F bank credit risk internal control: the establishment of good credit culture, to establish the credit risk control system, through the adjustment of bank organization structure to achieve risk control forward, play the role of internal audit in the credit risk control, strengthen the basic situation of loan enterprises scrutiny. The fifth chapter is the conclusion. |
