The Research On Design And Application Of Tianjin Rural Commercial Bank Credit Risk Management System

Credit business is the core business in commercial banks.Credit Management is an important method to assess the quality of assets in commercial banks and improve economic benefits.It becomes an important part of asset management in commercial banks.As Tianjin local commercial bank,Tianjin Rural Commercial Bank establishes its own characteristics credit risk management system,achieves the balance of cost risk control and revenue and adapts to the basic requirement of its own development,and also conform to the trend of competition in the banking sector in the development.Based on the analysis of bank credit business demand,this paper discusses the needed system design and application in each process and stage of the actual business operation,and analyzes the feasibility of the system,and finally achieves the realization of the function of credit risk system.First of all,the research status of this system is analyzed through the literature review,and the different types of state-owned commercial Banks mature credit systems' design provide reference for us.Secondly,on the basis of literature analysis,the paper analyzes the current situation of Tianjin Rural Commercial Bank credit business,and provides the premise for the design of the credit system.In addition,business demands for credit management system are analyzed,and the feasibility of the rural commercial bank credit management system is discussed from three dimensions: technology,economy,operation and system.At last,combined with business requirements,the bank credit risk management system is developed and designed so that it can be applied in practice.