Research On Corporate Credit Risk Control In S Branch ICBC

At present, China's real economic growth falling gradually, to further accelerate the process of marketization of interest rates, coupled with the rapid development of Internet banking, making business and personal financial services needs of increasingly personalized,complex and diversification. This makes the profit margins of traditional banks to further narrow, the operation and development of China's banking industry is facing an unprecedented challenge. One of the prominent branch of the industrial and Commercial Bank s branch of industrial and Commercial Bank of the performance, although many projects, financial services, but the main profit in addition to the intermediate business income,still rely on deposit interest income. Because of the larger credit line, the company has become the main source of profits, but also makes the bank's credit risk is more concentrated,so the company's credit risk control problems should be paid attention to.In the face of all kinds of risk to the risk of corporate credit business, the ICBC S branch company credit risk control as the research object, combined with the present situation of risk control of S branch company credit business,points out the problems existing in the risk control in the process of problems and causes; and elaborates the main risks and risk points;accordingly, the the principles and objectives of risk control measures to optimize the company's credit business, and from the organizational structure,business processes,internal control system, human resource management, and optimize the culture environment.Based on the research of domestic and foreign literature and theory, combined with their own work experience, this paper puts forward the countermeasures to improve the credit risk control measures of the company after the improvement of S branch.