The Research Of LJ Bank Credit Risk Control And Evaluation

As the economy of China has entered a phase shift,began to change the development mode,adjust the structure and quality and efficiency as the focus of the "new normal",the economic and financial fields appeared many new situations and new problems,the credit risk management of commercial banks is facing many new situations and new challenges.At present,the credit operation still is our commercial banks’ core business.The loan still is the main part of commercial banks property,the credit risk also is the biggest risk among the commercial bank management;in the developing process,the commercial bank has the one-side attention to the service scale,the development speed while neglects risk control,loosens the internal management.One of the most prominent problems is the credit management in which the violation of regulations often occurs.The situation of the poor credit property quality has not been turned better throughout.With the old bad loan not yet tackled,the new one forms,such lesson is extremely profound.Thus,this paper aims at an analysis of the operating environment and characteristics of LJ bank to ultimately provide assistance for LJ banks with the view of reducing prevention and resolving the credit risk through a conclusion on some issues in LJ bank credit risk control and a combination of KMV-model based empirical measurement for the credit risk.This paper firstly describes the research background,objects,significance and framework;and then engages in the theoretical overview of commercial bank credit risk evaluation and control,including the main contents of credit risk control,risk identification and evaluation strategies;Then,it starts from the status quo of the credit risk control in LJ Bank and combines its operating environment and operating characteristics to find out some issues;Later,it resorts to KMV model for the credit risk assessment and measurement so that empirical results can be analyzed;and finally,the paper puts forward a credit method based on the risk monitor control.