Company Loan Risk Management Research Of Industrial And Commercial Bank Of China

Commercial banks become more and more important in the financial system, which healthy development will directly affect the stability of the whole national economy. In our country, credit business is very important in most commercial banks in indirect financing social financing structure, which determines the credit risk of commercial banks as the main risk of the financial system. Recently, almost each commercial bank non-performing loans increased, exposed the problems of China’s commercial banks in credit risk management. This paper selects ICBC credit risk management as a research topic, with the author’s own work experience, does the research on the corporate credit risk, analyzes the current situation of ICBC’s credit risk and problems, and makes recommendations to the existing problems.In this paper, the introduction chapter through the existing research literature and ideas from both domestic and abroad, designs the paper’s research framework, while, and also defines its background, research methods and structural arrangements. In the next chapter explains the major implications for the commercial bank credit risk, the causes, measuring method and sets forth the basic relevant theory. This paper introduces the development trend of our country commercial bank in credit risk control, points out the important position of credit risk control in the commercial banks. Later, analyzes the current situation and problems of corporate credit risk control in ICBC, combined with the data and asset quality, and puts forward the problems existing in the corporate credit risk control in ICBC. Next chapter based on the analysis of the problems and the research, puts forward the optimizing countermeasures:improve the credit risk culture construction, strengthen the company’s credit risk identification ability, standardize corporate credit risk process management, improve internal control of corporate credit, and carry out the company credit personnel incentive mechanism.In this paper, according to the research and analysis in corporate credit risk control in ICBC, also has a certain reference value to other commercial banks in credit risk control. Hope that this article promotes corporate credit risk control in commercial banks in our country through the optimization advices.