Agricultural Bank Of China X Branch Corporate Credit Risk Management Research

In the process of national economic downturn, the interest rate market, China's commercial banks are facing tremendous pressure. The central bank started to cut interest rate for six times in one year since November 2014, interest rate market process continues to advance, the bank profit margins continue to shrink. At the same time, China's commercial banks non-performing loan ratio continued to rise. Until the fourth quarter of 2015, our country commercial bank non-performing loans rate rising by 10 consecutive quarters since the second quarter of 2013, the national commercial bank non-performing loans exceeded one trillion yuan mark, reaching 1.27 trillion yuan, non-performing loan rate of 1.67%. The accelerated exposure to non-performing loans, to China's commercial banks is particularly evident in the growth rate of net profit growth. So the macroeconomic environment is full of opportunities and challenges for China's commercial banks.This paper first reviews the domestic and foreign research on risk management of commercial banks, expounds the risk management theory, select the comprehensive risk management theory as the theoretical basis of this paper. Theory with practice,using the case analysis method, select the first non-performing loan ratio of 2% of the Agricultural Bank of China as a sample. X branch as a branch of Agricultural Bank of China's non-performing rate is rising year by year, corporate loans is particularly prominent, in 2015 the non-performing rate of corporate loans as high as 2.87%, the control of non-performing loans is imminent. Through collecting x branch of Agricultural Bank of China corporate credit structure, services, processes the data,and introduces in detail the basic situation of X branch, analysis the X Branch corporate credit management system group, business process, the pre loan investigation, loan management implementation process, combined with the Bank of China Construction Bank, industrial and commercial bank, Bank of communications data from the non-performing loan rate, profitability index, analysis of the Agricultural Bank of X branch, at the same time, summarize x branch internal environment, goal setting, risk identification and assessment, control activities, five aspects of supervision, analysis its reasons, at the end of this paper, from the five aspects of proposed countermeasures and suggestions to improve the risk management system of the X branch.The research results not only contribute to the improvement of the AgriculturalBank of China branch in X corporate credit risk management system, the same to the Agricultural Bank of corporate credit business risk control to effectively, and help commercial banks improve risk management level, effective control of risk.