A Bank Company Credit Business Risk Management Research

Company's credit risk management is one of the most important,is also the commercial Banks has been the focus of attention.So far the company credit business still account for 85% of the contractor's bank source of income,to deal with the current company's credit risk is still the contractor's bank can be healthy and stable development of key issues.In order to realize the development of the credit business overall health,in addition to the required city businesses to take the initiative to adapt to the change of the external economic and financial environment,and actively adjust their mode of operation,optimize the corporate credit business process,make up their own short board,accelerate transformation ever rely on deposits,loans business development mode.Commercial Banks in the business activities of each loan business will inevitably exist credit risk,and once the credit risk not only can make the credit risk of bank losses will cause a series of chain reaction in the economy.Therefore,the problem is that the commercial bank credit risk management especially small city banks must be paid to the development of credit business attaches great importance to the problem.This paper mainly through to our country commercial bank credit risk management research to summarize the general theory of analysis,combined with the contractor's bank credit risk management of the actual case,analyzing the status quo of the contractor's bank credit risk management and the existing problems,and puts forward corresponding countermeasures and Suggestions.This article of six chapters:The first chapter is the introduction to this article,elaborated this article research background and significance,research content,framework and research methods;Second chapter elaborated our country commercial bank credit risk management of the general theoretical analysis,including the relative concept of the credit risk management,credit risk classification,the development of our country commercial bank credit risk management.The third chapter mainly by "three check" work as the main line,to the contractor's bank credit risk management shortcomings are analyzed,including the lack of credit risk management system,insufficient in credit business for examination and approval mechanism,the lack of credit risk identification and risk positions and the defects existing in the set.The fourth chapter to a large group as the main body in the case of contractor's bank since divisional system to establish the credit risk management case analysis,this paper contractor how bank credit risk management practices.And mainly from the credit of credit before the feasibility analysis,design of the credit,the credit management in the implementation of the "three check" work and credit risk early warning and risk management mechanisms of these aspects,to analyze the divisional system's role in the bank credit risk management.Fifth chapter combining with the contractor's bank credit risk management currently exist some disadvantages,from how to develop the standardization of credit business "three check" system,how to build a unified credit granting process,how to improve the credit risk of business information systems and how to strengthen risk management professional staff team construction problem of four angles to put forward policy Suggestions,hoping to promote the contractor's bank credit business in the new situation of healthy development.The sixth chapter research conclusion of this article and the next research direction.