Research On Credit Risk Prevention And Control Strategy Of N Bank S Branch

N Bank as an important part of the system of financial institutions in our country, in recent years due to the expansion of business scope, operating environment and business model have larger changes in the development, so the type of credit products have continued to increase, credit business also in policy guidance and business direction of two-way development. It has gradually shown the loans to invest, the loan principal and loans of diversified development trend, bring greater challenges for business credit risk management of the N Bank. N Bank has long been the risk prevention and control work into the important position, under the new situation for credit risk management and risk prevention work to strengthen the will also be S Branch of the N Bank of the future need to focus on resolving the problem.Taking N Bank S branch as an example, this paper studies the management of credit risk in the N Bank of China. First, in a comprehensive set of domestic and foreign literature based, the definition and classification of credit risk are summarized, mainly includes credit risk, market risk, operational risk, flow risk, country risk, legal risk and reputation risk. At the same time, analyses the content of credit risk management and related theory development.Secondly, this paper of S Branch of the N Bank credit risk management present situation are analyzed, pointed out the existing problems, including credit risk management system need to be improved, lack of credit risk early warning mechanism, risk management personnel quality should be improved, credit risk management method is not scientific. At the same time, using the SWOT analysis of the S branch of the N Bank credit risk management were analyzed, pointed out the existence of credit risk management in the bank’s strengths weaknesses opportunities and threats, the advantages include loan quality of good and bad loans accounted for Biju in interbank; disadvantage is mainly reflected in loans to customers concentration is too high, loan industry concentration is too high, grassroots network of business development and risk management of relations of understanding is not comprehensive, risk information transmission is not smooth; opportunity is mainly industrial transformation and bring new opportunities for the banking credit risk prevention and control; threat conditions mainly includes the balance of non-performing loans and non-performing rate rise, increasing pressure on the new non-performing loans.Finally, based on the SWOT matrix analysis, and puts forward the Countermeasures of N Bank of China S Branch of the credit risk management, including innovation risk prevention and control system, such as the establishment of the corresponding risk management departments, innovative credit risk control system, making full use of customer information to improve the risk management system, such as the combination of customer information the establishment of early warning signal system, optimize the risk classification and management system; optimize the credit voted to such as the optimization of the new credit funds from customer and industry investment, increase the stock of credit capital structure adjustment; strengthen risk management talents quality; accelerate the disposal of non-performing assets; optimize the credit risk management methods, such as optimization of qualitative evaluation methods, the introduction of data measurement method.