Research On Company Credit Risk Management Of Bank Of Jilin Changchun Branch

In recent years,China's economy was in the new normal,GDP slowdown,the downward pressure on the economy.In this new economic situation,the bank's operations are also facing many challenges,especially in the credit risk management.Jilin bank Changchun branch was established late,the level of credit risk management than state-owned banks and national joint-stock banks have a large gap.The proportion of company credit business is huge in the Bank of Jilin Changchun Branch,and the risk management of company credit business determines the final effect of the credit risk management of the Bank of Jilin Changchun Branch.Under this background,it has practical significance to study the company credit risk management of Jilin Bank of Changchun branch.The main content of this paper is divided into four parts,the first part introduce three aspects,one is the research background and significance,the banking industry is facing the adverse situation in the risk management under the background of economic reform,under the situation of credit risk management becomes more and more important.The two introduce the research methods and contents,this paper mainly adopts the literature research method,qualitative analysis and inductive analysis method,according to journals and books related to the credit risk management to know the research results about the credit risk management at home and abroad,the research results about the credit risk management at home and abroad are the theoretical basic,combined with the status of credit risk management in the bank of Jilin Changchun Branch,using the qualitative analysis to find the problems and causes;finally,according to the existing problems and causes,summed up the countermeasure of solving the problem using inductive analysis.The three part introduces the relevant theories of credit risk management at home and abroad,including information asymmetry theory,credit rationing theory and loan portfolio theory.The second part mainly introduces the current situation and existing problems of the bank of Jilin Changchun Branch in the company credit risk management.This part first introduces the development of the company credit business in the bank of Jilin Changchun Branch,this part conclude the business development and the status of company credit assets in the bank of Jilin Changchun Branch.The last to describe the credit business,liquidity risk,market risk and operational risk,these risk are the main risk in the credit risk management,according to analyze these risk to find the problems.The third part is the analysis of the causes of company credit risk in the bank of Jilin Changchun Branch.There are three main causes of risk management,namely,the imperfect risk management environment,imperfect risk assessment system and defects in risk control system.The imperfect risk management environment is mainly reflected in the lack of credit approval process,the lack of credit management personnel management and credit risk management culture.The imperfect risk identification system has resulted in unable to accurately understand customer manager in the industry,customer and product types of credit risk degree,resulting in customer manager in full accordance with the subjective judgement of loans,loans to customers,in individual industries and products,leading to credit risk can not be effectively dispersed.The defect of the loan control system leads to the singleness of the loan control means,and can not carry out the effective control to the public credit risk.The fourth part is to solve the problems existing in the public credit risk management.By strengthening the construction of risk management environment can improve the overall level of risk management,while the formation of a good cycle of risk management,to achieve the purpose of reducing credit risk.The construction of a scientific risk assessment system can effectively evaluate the risk and achieve the effective management of risk.The establishment of a complete risk control system allows the risk control activities covering all aspects of the loan,the effective realization of the risk of dispersion and reduction.