Research On Credit Risk Control Of China Construction Bank Ningxia Branch

In recent years, influenced by factors such as "three phase superposition", ningxia region economy faces a weak market, product prices, costs, profits, insufficient construction difficulties, enterprises above designated size in the region. The percentage of loss-incurring enterprises nearly 50%; Especially the traditional export commodities fell significantly, metal magnesium, silicon, aluminum, iron alloy drop of 40%-70%; In the industrial growth is falling from month to month, economic downward trend is obvious. Increasingly complicated external economic environment, risk identification and control for financial institutions put forward higher requirements.Paper first describes the selected topic background, research purpose and significance and research ideas and methods; The second chapter first describes content, definition of credit risk identification and measurement and process are introduced, then the company’s credit risk management theory method at home and abroad were reviewed and the key list; The third chapter of China construction bank, ningxia branch company credit business, credit risk management of empirical research, through the analysis and research from 2011 to 2013 three years of internal audit for the construction bank, ningxia branch company credit business inspection found problems, comparing the domestic and foreign advanced credit risk management practices, points out that at present the construction bank, ningxia branch in risk management, risk of organizations, personnel team construction, credit process specification operation, incentive and constraint mechanism problems; The fourth chapter combining the reality of the construction bank, ningxia branch, according to the above problems and the insufficiency, optimization of eight concrete measures are put forward.