Research On Credit Risk Causes Analysis And Countermeasure Of Relationship Lending Of Zhejiang A Commercial Bank

With the development of financial globalization and the change of the international financial environment,it has a great widespread effect on financial industry,especially on the bank credit business.The development of credit business not onle affects the healthy development of brank industry,but also affects the implement of China’s financial policy.At the same time,the healthy and orderly bank credits business is good for the construction of harmonious society.Under the background of “the new normal”,it has become invitable tendency fou city commercial bank to transformation and upgrading.Many banks has recognized the risk,and have taken effective measurs,for example,differentiation strategy,characteristic strategy.However,because of the uniyary service and the high ratios of non-performing loans,along with the fluctuating economy,financial reform and the adjustment of industry structure,the city banks is facing gret risks.It is necessary for them to manage risks.In order to make sure the paper’s practical significance,we take the A commercial bank in Shanghai for example.Begin with the relationship lending,we profoundly analyzed the problems of credit business in A commercial bank.It is aims at finding solutions to the ways and means,improving the awareness of credit risk,establish credit risk management system,advancing level of risk management.The paper consists of three parts.The first part is about the theory of risk management,and make an overview of the present situation of the related articles.The second part is mainly on the A commercial bank’ current status and problems.This article carries on the analysis from the Zhejiang A commercial bank credit management system of organization structure,internal control,the credit business process,the credit risk management techniques four aspects and find the following problems in A bank: weak human resources and team building,loose internal management,declined loan assets quality,limited risk assessment methods etc.The third part of this article is about the risk control strategies which is based on the theory in the first part and the analysis of the problem of A bank in the second part.In this paper,A bank should improve human resource management and professional team,speed up the transformation and innovation,put risk assessment with integration of qualitative and quantitative into practice,and speed up the external environment construction to strengthen the risk control of relationship credit lending.The paper employs survey analyzed,case study,statistical analysis.Base on risk management theory,we gather real data,and then analysis the current situation of A commercial bank in Shanghai.Hope this artical conclusion is helpfull for A commercial bank,also good for China’s commercial bank credit risk management.