The Reseach Of Credit Risk Management Whole Process Of XX Bank Of Hunan Branch

In the21st century, with China’s economy sustained, rapid and healthydevelopment of China’s reform of commercial banks is also changing, the greatchanges brought about bank management transformation, becoming China’s economicand financial reform magnificent tide of a beautiful landscape. Under China’s currentfinancing system, the main channel for social financing commercial banks,commercial banks’ profits in recent years, although the sources of regionaldiversification of the credit assets of commercial banks is still the main source ofincome and major assets. Direct relationship between the level of commercial bankasset quality is good or bad credit risk to their profitability and stable operation of thenational economy.The level of credit risk management of commercial banks not only represents thelevel of China’s overall management of the financial sector and the global financialsurplus, it is affecting the domestic and foreign investor confidence in China’sfinancial reform. Therefore, in order to control credit risk assets as the main content ofthe credit risk management of commercial banks is a core part of the managementtransition. In this paper, draw a large number of documents and the actual research,based on the whole process of credit risk management for the study, discussed theproject before the Hunan XX Bank credit loan investigation, the review of the loan,the whole process of credit risk management and control issues after inspection.Firstly, Hunan Branch of XX Bank’s credit risk management situation and existingproblems in detail and in-depth analysis, we found XX bank of Hunan Branch poorquality of credit assets, loans mainly on long-term loans, non-performing assetbalance is too large, Bank’s overall operating efficiency is not high; Hunan XX Bankcredit risk included in the whole process of market risk, operational risk, credit riskand moral hazard, and other types of risk, which directly affects the Hunan XX Bank’sresults of operations. Second, for the former Hunan XX Bank loans, loan, and the loanprocess after the problems raised targeted risk management countermeasures; finallycome to strengthen XX bank of Hunan Branch concluding observations the wholeprocess of credit risk management.Through research and analysis, this paper considers the core XX bank of HunanBranch to strengthen credit risk management is based on the whole process before the loan, the loan, the loan after the three different aspects of sound credit riskmanagement system, establish a risk classification system to improve the overallquality of credit, enhance its ability to identify risk and increase reward assessment,strengthen executive power system. Always stand in the whole process of credit riskmanagement point of view the credit as the most important work, and constantly seekinnovative, progressive and improve Hunan Branch of XX Bank’s credit riskmanagement and control of the whole process.