Research On Credit Risk Management In A City Branch Of ICBC

2008 global economic crisis, including Europe and other countries affected by the economic crisis is particularly serious, the economic crisis is the main reason for willing "subprime crisis" caused by the credit risk of banks. China’s banking relatively high degree of state regulation, the economic crisis impact is relatively small. But the bank also revealed inadequate management of banks’credit risk management, its exposure to credit risk is too dependent on the state macro-control, the lack of a positive and effective way to deal with their own, can not give full play to the role of the banks themselves, the same not suitable for banks in the long term development of the market economy context performance. In this context, the discussion of bank credit risk management, specifically its credit risk management model and the problems and propose solutions for the management of credit risk the bank has a positive role in promoting.Promote long-term development in a city branch of ICBC, ensure that it has the advantage in a competitive market, you first need to fully study its credit management, reduce its credit risk, improve asset quality and a city branch of industry and commerce, the increase in earnings a city branch of ICBC the ability to be able to guarantee a city branch of industry and commerce has a strong competitive advantage to be able to ensure that it can stand out in the competition in the city and even the province. Therefore, this study by research status of industrial and commercial city in the credit risk, the problems and causes of the problem analysis, strategy corresponds to propose solutions, mainly to improve the market competitiveness of a city branch of ICBC, to promote their health, and efficient development.The main conclusions of this study are as follows:(1) a city branch of ICBC credit risk management in credit risk management organization structure is irrational, inadequate credit risk management capabilities, inadequate credit risk management in credit evaluation unreasonable approval efficiency Loan quality is not high and too subjective classification exists, the problem of the lack of scientific evidence. (2) a city ICBC credit risk management problem is due to internal as well as external causes of ICBC branches common cause of a city. Internal reasons, its credit risk management system and the system is not perfect, inadequate loan management personnel quality, management processes are not standardized and so on. On external factors, the current credit environment is indeed our social existence, national regulatory system is not perfect, China’s macro-control policies and local government policies led to a city ICBC branches of credit risk. (3) Credit Risk Management ICBC branch in a city should be innovation management organization, sound management processes, improve risk assessment and user credit rating methods, strengthen risk management system construction and change in non-performing assets management methods. ICBC a city through these steps to improve their credit risk management, while the State and society should also provide strong external conditions, by improving social credit system construction, improve the national credit system construction supervision, etc., to promote a city popular ICBC Credit Risk Management able to develop a healthy direction.