The Case Analysis Of Credit Risk Management On BJ Bank,Liulichang Branch's Duandaiao

The banking industry and the whole financial industry's main form of risk is credit risk,financial institutions and regulators' main object and the core content is to avoid credit risk.Commercial banks place the most emphasis on the credit risk caused by bank loans.Since 2014,the slowdown in China's growth?the speed up of interest rate marketization and the sustained in-depth of financial disintermediation lead to the pressure on bank performance.Although stay a stable scale expansion?intermediate business income maintain high growth and the cost income fell by nearly 1.3% compared with 2013,non-performing loans risk exposed seriously.To make sure the assets quality and control risk,almost every bank intensify to scrutiny of non-performing loans and withdrawing set aside to prepare.Chairman of the China banking regulatory commission,Shang Fulin,said that under the new economic environment,the banking loan growth is stabilizing?the spreads of loan is narrowing?the way about financing is changing?the rebound of non-performing loans and the lightly regulated.We must speed up to adjustment the development strategy?shift the profit model ? improve innovation ability and strengthen the law on compliance management.Under the serious risk situation,commercial banks should accelerate to construct the comprehensive risk management system?enhance ability to manage of the credit risk?make effort to control credit risk.Banks should keep improving and pushing the construction of the credit risk management system covering on the reinforcement of current credit risk control measures and the optimization of risk measurement tools.Develop and implement the market risk management strategy,improve quota management system.This article made a case study about risk management on BJ Bank Liulichang Branch's Duandaibao,analysis the credit risk management problem in the Duandaibao product and promote the healthy development about BJ Bank.The first part is introduction,which summarized the background,significance,literature review of domestic and abroad,content and research methods,features and inadequacy of the article.Then adopt the qualitative and quantitative method to research the problem of credit risk management in BJ bank Liulichang Branch's Duandaibao? state the credit business development situation and present Duandaibao including its background?service object and operation process.Then introduce the case about Duandaibao: the lending situation?the business process and the risk points should be focused.On the basis of theory and case study,the paper introduces features about Duandaibao,carry on a concrete analysis on problem and reason about credit risk management.Summary of the problem and compared with other banks,we conclude the problem on Duandaibao.Finally we discuss about the bank of BJ credit risk management problems that exist and puts forward to seven countermeasures.Even in the severe economic environment we wish the advices could help to prevent credit risk on Duandaibao and promote the healthy development of Duandaibao.