Research Based On Information Asymmetry In Risk Credit Management Of Zhongjian Bank Shenzhen Branch

Commercial banks, is the most important part of China’s financial system, thesafety of the funds of the commercial banks, the relationship between the social andlivelihood, in particular, the credit quality of the assets related to the operations of thecountry’s overall economic health, smooth, orderly, more complex in the currentdomestic and international economic situation change the environment, to enhancethe commercial banks’ credit risk management capabilities, effective prevention andcontrol of credit risk is an urgent need to solve the problem. From the case of thebank’s non-performing credit, the credit risk of the formation of human intentionallyor unintentionally cause asymmetric information between banks and enterprises, theimpact on the bank to make a correct judgment of the operation, profitability, legalcompliance resulting in the formation of the credit risk, information asymmetry canbe divided into two kinds of information asymmetry between the bank’s internalinformation asymmetry between banks and enterprises, therefore our task in creditrisk management in order to reduce the loss of information transfer degree andmeasure and to reduce the credit risk caused by asymmetric information betweenbanks and enterprises.Improve credit risk information management system can effectively identify andreduce the information asymmetry between banks and enterprises, thereby reducingcredit risk.In this paper, combined with the author’s own credit in the bank initiated,approval and post-loan management, poor collection posts practical experience fromthe long-term and strategic perspective, combined with the typical case of bank credit,and strive to reveal and resolve in the case of bank credit to the problem ofinformation asymmetry.Thinking about how to avoid banks in the credit approval,portfolio maintenance information blind spots, the innovative actual control in theface of bank credit risk information asymmetry problem, the core competitivenessthrough research and demonstration of actual cases, aspects of the business situation,financial situation, detailed information collection, stressed confirms relationship witheach other, and strive to get a relatively complete information to counter the adverseeffects of asymmetric information, and made from product innovation, institutional innovation model innovation and other emerging financial products, applicationssyndicated loans taken stationed client manager system, set up the prevention andcontrol system and other measures to eliminate the problem of information asymmetry,to strengthen transformation and application of research point to an area. I hope thiswill help banks to enhance credit risk management capabilities, to promote security,stability and harmonious development of bank credit.