Study On Credit Business Risk And Risk Management Of Y Branch Of NF Bank

As the agricultural policy bank, NF bank undertakes the important responsibility to implement the national macro strategy and solve the problem of "agriculture, countryside and farmers". As the most grass-roots institutions of the NF bank, the effectiveness of the management of credit risk in the county sub branch has an important influence on the implementation of the national strategy and the overall development of NF bank. But in recent years, with Chinese economic steps into the "new normal" phase, the economy has slowed down, and the negative effect of expansionary policy has sprung up. The slowdown in economic growth makes the potential problem in risk management of the county sub branch of the NF bank gradually exposed.To pave the way for the later analysis, this paper firstly summarizes the relevant literature about the risk management of the policy bank at home and abroad. In the second chapter, it introduces the development process, organization structure and credit business development of the Y branch of the NF bank. The third chapter is composed of the analysis on the risk of Y sub branch and the introduction of risk management measures taken in the NF bank Y branch in each process of credit business. After that, it analyzes the problems existing in the credit risk management of Y bank, such as the rough risk management, formalistic pre-loan investigation, negligence in financial guarantee management, difficulty in implementation of post loan management and oversight in loan repayments. It finds out that the essential reasons for the risk of credit business are unreasonable staff structure, imperfect staff training system and rough performance appraisal mechanism. According to the previous analysis, the fifth chapter advices Y sub branch to change the extensive mode of risk management, cultivate the culture of risk management, establish a quantitative model of risk; strengthen credit risk management, control customer quality prudently, implement pre-loan investigation, improve the financing guarantee management, strengthen post loan management, check the source of the loan funds strictly; optimize the talent construction system, establish the idea of talent cultivation, build long term talent training mechanism, strengthen the training of professional ability, increase the training of young employees, refine staff motivation mechanism. The last chapter summarizes the full text and puts forward the prospect.