Research On The Credit Risk Management Of XX Branch

With the continuous growth of China’s economy and finance in our country in a modern economy is playing a more important role. Commercial banks occupy the leading position in China’s financial system, clearly shows the economic development of our country. The level of credit risk management of commercial banks directly affects the stability and development of economy. Because of the commercial bank profit comes mainly from the credit business, credit business is the main assets of the state-owned commercial banks in China, so China’s financial risk mainly comes from the credit business, which includes credit risk. The effective and reasonable control of credit risk, in order to promote the safe and stable operation of the financial system in our country, and ultimately to achieve the development of China’s socialism.In the short term, China’s commercial banks will have to face a very grim economic situation, in general terms, the United States, Europe, Japan’s quantitative easing monetary policy to increase the flow of funds around the world, a series of commodity prices is also growing, and the outbreak of global inflation, because Europe has emerged the sovereign debt crisis and make most of the European countries began to reduce expenditure, but also because of the appreciation of the renminbi, face a lot of pressure also exports; therefore, the first thing we should do is to adjust the price, to the implementation of prudent monetary policy, on the basis of this, China’s inward investment and consumption will be limited.Chivalrous, China also began a series of adjustment of the economic structure of China,began the development of energy-saving environmental protection industry model,strengthen the protection of the environment, and to clear the government financing platform,continue to strengthen the regulation of the real estate industry, some of its development can not meet the government’s policy and high pollution enterprises and the strength is not the real estate enterprises will be eliminated, thus a large number of commercial bank loans can not be recovered, the increase in non-performing loans, the credit risk of commercial banks will be increased greatly, so the commercial banks of our country to learn to strengthen thecredit risk management and prevention in the very important in the process of business development.This article through field investigation, using the method of the credit risk of the credit risk management of commercial banks a series of theoretical and practical combination of the present situation, the credit risk management of XX bank, further analysis of the existence of credit risk management of XX bank of the problem, and in the light of the analysis of the practical work of the case, the XX bank of the credit risk management puts forward some suggestions.