Research On Loan Risk Management Of W Commercial Bank

Modern commercial bank revenue comes mainly from three aspects of the business,that is,liability business,asset class business and intermediary business.Foreign commercial banks in the development process of all aspects of the business is relatively mature,the bank's revenue structure is more reasonable,and China's commercial banking business module is more traditional,revenue mainly rely on deposit and loan spreads.From a practical point of view,due to the asymmetric information between banks and borrowers,the recovery of bank credit funds is uncertain.In view of the research object of this paper,W bank,on the one hand,it has the general characteristics of the commercial banks in our country,on the other hand,it also has some differences.Domestic commercial banks are still in the exploratory stage for the risk management of the loan business,no matter whether the information collection,the review or the risk management after the loan are flawed.Especially after China's economy has entered a transition period,for lack of customer loan review and risk control will directly affect the business risk,the commercial banks on the one hand to actively expand the market in the city and the surrounding areas of the county,on the other hand also need to always pay attention to the side of the mine".In the face of increasingly complex financial situation and supervision situation,need to face more difficulties in their business strategy of commercial banks in the process of implementation,how to improve the commercial bank loan business in the new normal quality and efficiency become the key problem now facing.Based on this,this paper attempts to combine the W bank loan business and the current situation of risk management,focusing on the research of bank risk identification,and draw up the relevant policy recommendations for the loan risk management.The general idea of this paper is on the basis of bank business management and risk management theory,combined with the W bank loan business development present situation,risk analysis of banks face at present,the use of risk identification model,build customer risk rating model,and provide recommendations on bank risk management system,credit operation and risk management culture.To some extent,as a kind of practical research,the basic idea of this paper is to explore the method of W loan risk management and control.The contents of this paper include: the theory part of the first chapter and the second chapter,this paper mainly reviews the relevant theoretical research and research ideas and methods;the third chapter is based on the analysis of the first two chapters on the basis of the theory,select the W bank as a typical case,analyzes the risks faced by banks in the aspects of W,discuss the causes exist in the risk management of the bank's problems and problems and on this basis;the fourth chapter and the fifth chapter is the combination of the above analysis the construction bank risk identification system,put forward to perfect the W commercial bank credit risk management policy recommendations.