Investigation And Research On The Credit Risk Management System Of Baoshang Bank's Customers

Commercial bank credit risk management is an important part of bank's risk management. For BaoShang bank credit risk management, combining with related theory as the foundation, using the method of investigation and study the specific analysis of relevant problems of the contractor's bank credit risk management, and connecting with the CRM system puts forward some proposals concerning the solution. The survey found that BaoShang bank in the process of credit risk management mainly exist the following problems:The customer credit risk management high challenge, including credit business non-performing loan ratio continues to increase, and rising credit default number of customers; BaoShang bank credit business and ensure that there is a higher risk; BaoShang bank credit risk management methods and technology relative lag; Customer information management is weak, partial credit imperfection of the customer information management, reduce the effectiveness of the bank credit risk control. Aimed at the above problems, combined with the actual situation of BaoShang bank credit risk management, put forward to improve BaoShang bank credit risk management level of countermeasures as follows:The reference successful bank relevant experience at home and abroad, actively introduce CRM customer information management system, improve the Banks to grasp of the customer information and management, to implement more effective credit risk management measures to provide the basis of information security; Strengthen control of BaoShang bank customer credit risk, including risk control consciousness, improve customer manager and mainly focus on the credit customer credit risk control work; Improve the validity of the credit business of mortgage and guarantee including increasing the limits of the tracking and management, and the use of CRM system for effective management of surety ship; Speed up the contractor's bank credit risk management methods and technology innovation, and provide technical support to improve the efficiency of credit risk management.