Study Of Credit-loans Risk Management Of China Guangfa Bank In JN Branch

Because of high capital costs, for future sustainable development, it’s of great significance for a joint-stock commercial bank at the phase of strategy transition to vigorously develop high-interest and high-return credit loans. And for joint-stock commercial banks, especially for the small and medium-sized ones, the quality of assets is greatly significant. Due to the particularity of credit loan compared to other loans, it can render convenient financial services to customers with no need for collaterals. Compared with other loan types, credit loan risk is particularly worthy of attention from financing institutions and its unique characteristic is more distinctive. Researches show that if financing institutions don’t improve risk management of credit loan, risks may break out intensively, and thus lead to total collapse of credit loan business.With the expansion of the Credit-loans business,the China Guangfa Bank 0f JN branch now is mainly confronted with the credit risk,the market risk,the operating risks and the legal risks.To achieve the sustainable development,the management and the control of the Credit-loans is the key issue of the operation success.At the same time,the steady development of small business loans has great significance for the China Guangfa Bank 0f JN branch to maintain the social image of operation safety and brand excellence.China Guangfa Bank JN Branch has just entered Shandong province, where when the business scope continuously extends, the risks faced by its credit loan business have also gradually emerged. The main risks include credit risk, market risk, operational risk and law risk etc. To realize the sound and fast sustainable development of credit loans, China Guangfa Bank JN Branch must manage and control the risks of credit loan effectively.This paper carries out a detailed data research on the credit loan business development of China Guangfa Bank JN Branch by analyzing the current development status of credit loan and taking the development situation of China Guangfa Bank JN Branch as a case. Based on the domestic and overseas successful cases in risk management of credit loan, the paper summarizes the practical problems of China Guangfa Bank JN Branch in the risk management of credit loan, and has the problems solved finally by proposing rational improvement and optimization suggestions and measures. The research achievement in this paper will help further improve development banks’ credit loan risk management system, to provide reference for China Guangfa Bank JN Branch to effectively control the credit loan risks and enhance the quality of credit assets. improved.