Study On The Credit Risk Management Of Zibo Branch Of P Commercial Bank

Commercial banks are financial intermediaries operating assets, which are the main operating funds, with the deposit or other borrowing money. As a result of the low proportion of its own capital, the commercial banks themselves have great internal risk. Credit risk is the biggest threat to the development of the bank. In recent years, with the rapid development of economic globalization, China's financial industry has made great progress and development. But because foreign commercial banks enter the financial market in our country, the competition pressure of the commercial banks in our country is more and more big, the competition is more and more.P commercial bank Zibo branch has developed very rapidly, but at the same time, the potential credit risk has been accumulated, so we should pay more attention to risk management. Therefore, through the study of this paper, it is found that the existing problems and reasons in the credit risk management, to facilitate the Zibo branch of P commercial bank for reference, to improve the corresponding management, to correct the existing problems, and is conducive to the healthy and sustainable development of the latter. This paper takes the Zibo branch of P commercial bank as an example to analyze its problems in credit risk management, which is based on the actual work of the author, so the research is more specific, more detailed and more practical value and research significance.The content of this paper is divided into five parts: the first part, introduction. The research background and significance, the domestic and foreign research status are reviewed, and the contents and methods of this study, as well as the possible innovations of this paper are presented. The second part, the commercial bank credit risk management theory. The concept and characteristics of credit risk, the causes of the credit risk of commercial bank, discusses the content of credit management and credit risk management and the meaning of credit risk management, discusses in detail the theory background of credit risk management, and lays the theoretical foundation for the full text of the study. Third part, domestic and foreign commercial banks credit risk management experience and enlightenment. This paper introduces the general situation of credit risk management of commercial banks in the United States, Japan, and analyzes the domestic and foreign commercial banks' credit risk management. Fourth part, P commercial bank Zibo branch credit risk management status and problems. P commercial bank Zibo branch of credit risk management status and effectiveness of the Commercial Bank of Zibo branch of the credit risk management problems, and analyzes the reasons for the formation of. The fifth part, the countermeasure of the credit risk management of P commercial bank Zibo branch. The bank has a comprehensive credit risk management concept, the establishment of the incentive and restraint mechanism of credit risk management, the risk management process change, the establishment of matrix risk management organization, the continuous cultivation of high quality credit risk management personnel; further strengthen the cultural construction of credit risk management. Enterprise level has to improve the enterprise's credit capacity; the government level is mainly to strengthen financial supervision and credit legislation. Finally, the full text is summarized and the future research work is put forward.On the basis of summarizing the experience of domestic and foreign commercial banks "credit risk management, we get some enlightenment to our country" s commercial banks and Zibo branch "s credit risk management. Based on the analysis of a large amount of information and data, combined with the status quo of Zibo branch of P commercial bank and the results obtained, the main problems of Zibo branch credit risk are: lack of core risk management concept, credit risk management process is not perfect, credit risk management organization is not very complete, credit risk management personnel is not very in place, lack of quantitative analysis of the data base, the existing rating cannot effectively respond to customer credit status, etc.. From the banks themselves, credit companies and the external environment, three aspects of the formation of credit risk. In the Zibo branch of credit risk management measures to the bank itself, to cultivate a comprehensive credit risk management concept, to build the incentive and restraint mechanisms for credit risk management, and to establish a matrix risk management organization, through continuous training of high quality credit risk management personnel, to further strengthen the cultural construction of credit risk management, continuing to strengthen the disposal of bad loans. For enterprises, it is necessary to improve the credit capacity of the enterprises. On the government, the government should strengthen financial supervision and credit rating, reduce administrative intervention, strengthen the supervision of the banking sector credit risk and strengthen the supervision of the banking system. The credit risk management of commercial banks needs to be improved, and the joint efforts of commercial banks, credit companies and governments need to be realized.