The Research On X Corporate Clients' Credit Risk Management Of A Bank

In recent years,with the rapid changes in domestic and international economic and financial situations,new characteristics in banking business and the economic downturn in China,there is still a lot of pressure on the credit risk management of banking business.In the credit business,over-credit,long credit,unreasonable line of credit and other phenomena still exist,due to the asymmetric information,ineffective supervision and post-lending supervision,and the inability to identify risks,control and avoid risks,which brought a great risk to the operation of commercial banks.For commercial banks,on the one hand,the original profit margins,that is,interest difference between deposit and loan is constantly being squeezed due to the interest rate liberalization process.On the other hand,the major trend of financial disintermediation is also emerging.More seriously,the overall economic downturn has brought more risks for banks' traditional credit business.In order to implement the overall requirements of the Central Economic Work Conference on Putting Prevention and Control of Financial Risks into a more important place,the banking industry should adhere to the bottom-line thinking,push forward with appropriate solutions and resolute measures to tackle both the symptoms and root causes of problems and observe the bottom line of nonoccurrence for the systematic risk.Therefore,we must pay enough attention to it.The status of credit risk management in bank A is introduced in detail.Its risk management measures are discussed combining with the whole process of the credit service.On this basis,the bank A's currently credit business risk management issues are investigated in depth.Advices on the risk management of the existing credit business of A Bank are given and the advantages of credit business in bank A are summarized at the same time.This article starts with the new COSO report and the research on Barcel agreement ?,and combining A Bank's operating system of credit business process with X Group,it reveals that the problems existing in credit business process of A bank are mainly inefficient usage of group customer's information,ignoring the importance of qualitative and forward-looking indicators and mechanized ‘total to total' cut mode of the credit line.Reasonable countermeasures and suggestions that integrating the existing information management system resources,attaching importance to the analysis of qualitative and forward-looking indicators in the risk assessment index system,and adopting a more flexible way of cutting credit line.At the same time,it is concluded that the experience of bank A in the group credit business is to carry out a strict vertical risk management system of credit business,to describe the specific risk points of the credit business with the form of risk matrix and to adopt the dynamic risk warning model with continuous monitoring.