Research On Credit Risk Management Of XX Bank Enterprises

With the changes of economic and financial environment,the aggravation of the market competition and the increasing supervision of the regulatory authorities,the problem of enterprise credit risk management has become increasingly intensified,causing the extensive concern of financial institutions,regulatory authorities and enterprises.In this paper,the related problems of the XX bank's credit risk management in current were discussed.By using the expert investigation method,it is concluded that the XX bank enterprise credit risk comes from four levels,namely,credit risk,operational risk,market risk,liquidity risk,and it also enumerates the specific risk points of every level.It carries on the qualitative analysis to the possibility of each risk point and the size of the loss may be produced after the occurrence of qualitative risk.At the same time,it applies Analytic Hierarchy Process(AHP)and Fuzzy Comprehensive Judgment Method to confirmation this qualitative analysis,and the following results are obtained:(1)The overall risk of XX bank enterprise credit is in the medium high level;(2)XX bank faces four kinds of risk,the operation risk is the important factor which causes the enterprise credit risk;(3)Credit risk early warning mechanism is not scientific enough and post-loan management implementation is not in place,which are important factors of forming credit risk in operational risk.According to the results,based on the actual management,developed detailed corrective measures are proposed for the key factors of affecting the XX bank's enterprise credit risk management,such as the loan can't timely return to the bank,industry downturn,the credit risk early warning mechanism is not enough scientific.This paper pays attention to the key factors and general impact indicators such as customer access process is not strict enough,the loan review function is insufficient and the separation of review and loan is not thorough enough,etc.