Research On Non-traditional Credit Risk Management Of G Ban

Since 2012,China’s commercial Banks to carry out the channel after class credit business,commercial Banks will markedly enhance its efforts in product innovation,innovation accelerated significantly,and in recent years,The increasingly relaxed financial environment also makes commercial banks will shift the focus from the traditional deposit and lending business channel class credit business,Most of the channel class credit scale of commercial Banks also rose sharply,and the business of commercial bank risk prevention has become in recent years,the key of the risk management in our country.Based on the channel class credit for writing key commercial Banks,the actual situation of the business to G bank for auxiliary case,fully analyzing the development of this new business processes,and business may produce risk,and put forward his own Suggestions and countermeasures against these risks.G bank as a local small business bank,also is the channel class rapid developing bank credit business,analyze its business development model for jiangxi province and even the whole country small and medium-sized commercial Banks to carry out the channel class credit business to provide some Suggestions.In the first chapter of this article,the author presents a simple channel class credit business of the research background,research significance,research status at home and abroad,research methods,research ideas and innovations and shortcomings of this article.In this paper,the second chapter introduces the basic overview of the channel class credit business of commercial bank,including the definition and characteristics of credit business channel class,basic types of business,the domestic development present situation,the business risk definition and the current domestic business risk management.The third chapter is mainly through the instance of G bank details vividly tells the story of the bank’s channel class credit business operation process and specific implementation details,at the end of this chapter is aimed at the above business analysis proposed that exist in the G bank the business risk and the risk of these brief measures are put forward.The fourth chapter from the bank at internal,external supervision level and other levels in the three aspects of channel class credit business further may risk detailed defense measures are put forward.