A Bank Credit Risk Management Research In Shaanxi Branch

At present, our country’s financial system is still given priority to with bank, the bank’s main source of income is the business of credit assets. Businesses of credit assets is the main financial business of commercial Banks, is also the main way of commercial bank profits, but also induce Banks operating risk, leading to one of the main reasons for bank collapse. American financial crisis in2008, made the global economy Mired in economic decline, still wandering at the edge of a slow growth, in the crisis of the one hundred-year-old investment bank lehman brothers and the fallen, for us in a huge shock at the same time, also let us must further thinking about how to better strengthen the credit risk management of commercial Banks.A bank of shaanxi branch in the past five years, actively promote comprehensive risk management system, has obtained certain result, but in the current internal and external risk situation is more serious under complicated background, still faces business transformation, product innovation, and improve the level of return on capital and risk management ability of insufficient contradiction. Especially in the economic cycle, A bank grant A large number of loans to industry leader, is not aware of the risk. Now, in the face of the economic cycle downward, the adjustment of industrial structure of coal, steel, real estate and other traditional industries, under the condition of credit risk exposure, how to strengthen credit risk management, risk identification and control in advance, for A bank’s sustainable and healthy development has an important practical significance.This article through the literature review method, financial analysis, case analysis and other research methods, for A bank credit risk management status of shaanxi branch was analyzed, and points out its exist in the credit risk management system of organization, system, management tools, and team construction problems, puts forward the countermeasures and Suggestions to improve the bank credit risk management:first, establish the credit risk management goals. Second, improve the system of organization structure and system. Third, to speed up the credit process optimization. Fourth, to strengthen the credit risk prevention and control of key areas. Fifth, reasonable use of operating risk management tools. And to study and put forward A bank shaanxi branch should take the following security measures:first, to strengthen the construction of credit risk management team. Second, the establishment of real-time data sharing platform. Third, actively cultivate credit risk management culture.In this paper, A bank of shaanxi branch in the next few years to improve credit risk management level has A positive strategic guiding significance, but also to the same industry other enterprise provides the certain reference and reference value.