Study On The Problems And Countermeasures Of JN Bank Credit Risk Management

China’s commercial banks assets business structure has changed to some extent,showing a certain loan-deposit ratio of the downward trend, but the business of creditbusiness accounted for the proportion of assets are still more than60%in an increasinglycomplex environment case, reasonable control of bank credit risk for the sustainablemanagement of modern commercial banks have a very important theoretical and practicalsignificance. Firstly, research scholars in the study on the financial risk related literature,based on the credit risk of a theoretical summary and definition, form the theoretical basisof this article. Secondly, the analysis of the bank’s credit risk JN status quo. JN Bank on thedevelopment status and organizational structure to make a general description of the typesand characteristics of credit risk, and thus summed up its main source of credit risk, and thebank’s credit risk JN make a comparison on the horizontal and vertical analysis, pointingout the need for credit risk management. Again, explores JN bank credit risk managementproblems of deep mining of the existing cause of the problem. For these problems, wepropose to strengthen the internal control system of credit risk, credit risk throughout theimplementation of dynamic supervision, clear positioning stable grasping small customersand other targeted recommendations to draw some commercial banks in China and even thewhole bank credit management system to build useful Inspiration.