The Research Of Risk Prevention In W Bank’s Corporation Loan Business

Corporation loan business still is one of the core businesses of commercial bank operation. The risk is unavoidable, however, it is essential to prevent the risk in order to ensure property quality and protect the development of the bank. The article, which aimed at leading fundamental level of commercial bank and practitioners to level up the protection skill, is very practical and educational.First of all, the article made a vivid analysis for W Bank, including the loan business risk, status of risk prevention and the existing problems. It turned out that the loan risk could be found in various parts, what else, the market risk, operation risk and other risks should also be aware. Although W Bank has already set up a series of risk prevention system to strengthen post-lending control. The lack of prevention foresight, the backwardness of management culture, the cumbersome of procedures and the scarcity of human resources still hold back the progress of banking development.Second, in order to solve the above problems, the article suggested some solutions for W Bank, which contains construction of risk prevention culture, normalization of risk inspection and installation of leader-accountability system. Besides, it is also important to set up a prevention system with scientific basement. The article illustrated the significance of all these controlling measurements.Third, safeguard measures are also indispensable. Via a series of supporting measures such as the establishment of emergency disposal system, the reinforcement of details management and the definition of reward & punishment mechanism, the risk prevention in financial system can be further improved.Last but not least, the article made a summary on the next step for further researching.