The Credit Risk Management System Construction Of SDZ Bank

For a long time, the credit business has been a major source of business and profit for the commercial banks in China. In the background of the down turning economic and accelerating market interest rates process, the cost of debt for China's commercial banks is rising. They also face the dual pressures of deterioration in asset quality and narrowed spreads. The balance and the rate of non-performing loans of commercial banks are rising. The potential pressure of credit risk increases gradually.The effective management of the credit risk becomes the key to ensure the stability and continuity of management in commercial banks.SDZ Bank is a city commercial bank to serve the local economy. As a city commercial bank, SDZ Bank is charged with the development of the local economy, and needs of financing for the SMEs and residents. But because of the limits of business area, market access, business development and policies regulations,its operation has a certain particularity. In recent years, SDZ bank expands its credit constantly. But at the same time, the proportion of non-performing loans is rising,which planted a hidden danger for future credit business of SDZ bank. Based on this,the graduate thesis selects SDZ bank as the object of study. Firstly, the author investigates the basic situation of the credit business process, the credit risk management structure, the credit risk management technology and the credit risk management culture in SDZ bank. Secondly, the author uses the RAROC model to measure credit risk of SDZ bank. The author finds SDZ bank having a series of problems, such as the unscientific credit business process, the imperfect management mechanism, the under-developed management technology, and the amateur credit officers. Based on this, the graduate thesis proposes a specific design to build the credit risk management, on the basis of establishing the direction and principium of the credit risk management system construction in SDZ bank, including of the management of first conversation mechanism and fieldwork mechanism, the management and measurement of system and industry risk, the conformity of credit process, the management of the separation mechanism for loans and reviews, the management of moderate authorization, the scientific product selection, the management of risk warning, the management of credit structure adjustment and exit mechanism, the identification of improving accountability mechanisms and thespecialization of loan officers' quality. It has some significance for strengthening the credit risk control of SDZ bank, and provides some references for similar financial institutions at the same time.