The Study Of Credit Risk Management In China Mingsheng Banking Crop

In recent years, with the increase of the size of credit and business types, risk faced by commercial banks is also increasing. The minimum capital requirements of Basel agreement is the basis of commercial bank credit business, how to strengthen the risk control of credit business has become the concern of the global financial industry. China Minsheng Bank credit business started relatively late, for the understanding of credit risk management is not enough, has not established a sound risk management system of credit, to support large data awareness is not strong enough, there are still based on the qualitative analysis of credit risk, quantitative analysis is obviously insufficient. At the same time, the problem of rising non-performing loan ratio is still not resolved. According to the first quarter of Minsheng Bank 2015 annual report, by the end of March 31,2015, Minsheng Bank’s non-performing loan ratio has been increased from 1.17% to 1.22%, the situation is not optimistic. Therefore, how the credit risk of commercial banks to manage effectively has become China’s commercial banks need to solve the problem.This paper is divided into six parts, the first part is the introduction, introduces the research background, research significance and research methods, and analyzed and summarized by combining foreign advanced theories and domestic theory. The second part introduces the internal rating method, sorting out the development of credit risk management in commercial banks and the. The third part starts from the Minsheng Bank China business, the credit risk of the status quo of Minsheng Bank analysis. The fourth part points out that the application of credit risk management in Minsheng Bank, starting from the design principles, targets and plans of credit risk management system, combined with practical business building. The fifth part is the summary of this thesis, make credit risk management system of the Minsheng Bank’s results, and find out the problems in development, find out the existing problems of credit risk management of Minsheng Bank, combined with the current credit risk characteristics and China Minsheng Bank small and medium-sized commercial banks management business and lessons to propose suggestions on credit risk management system of other commercial banks. The sixth part is the conclusion, summarizes the existing problems of credit risk management in China Minsheng Bank H branch and the solutions from the business and management process.The innovation of this paper lies in the different external risk analysis, and other domestic risk management research, combined with the credit risk measurement and the system construction of specific credit business types and Minsheng Bank Chinese, combining theory with practice, combining Minsheng Bank small micro financial credit business customer number, single family situation, put a small amount of the risk is relatively dispersed, to the credit risk management system construction in small and medium sized commercial banks in the feasibility of the proposed. The uneven level of commercial bank Chinese, scale and economic strength are not the same, many small and medium commercial bank and Minsheng Bank, has not established a data system perfect and sufficient historical data as a support, it is difficult to accurately analysis of credit risk measurement to reflect the effect, therefore, research on how to define the conditions under the condition of to maximize the advantages of credit risk management is of great significance.