Research On The Countermeasure Of Credit Risk Management And Monitoring For A Bank

Under the background ofchina economic downwardpressure and bank transconformation pressureincrease,the capitalincur debts scale of china bankingspeedy expand,bad capitalincreasesubstantially.A bank was faced with bad loan and bad loan ratio rise,credit riskintensifying.Based on internal control theoryand credit risk management theoryas well as modelfinance management theory,this papefound the problem and shortcoming of A bankorganizational structure,creditprocedure,management system,check and evaluate,rewards and punishmentsby means of diagnoses A bankcredit risk management and monitoringpresent situation.Aim to the problem of A bank credit risk management,this papercarry outcomprehensiveness studythroughquestionnaire survey,qualitative analysis and quantitative analysis,inductive method,combined theory with reality andsystematizationanalysismethod,and analyse problemorigin.This paperputs forward the improvement measureand countermeasures of A bankcredit risk management and controlas follows:insist on the management idea ofcreditmarketing and risk management and controleaqualemphasis,cultivateexcellent bank credit culture,improve the organizational structure ofcreditrisk management and control,subdivision optimizationand simplifying creditrisk management and controlprocedure,improve and perfect credit management institution,strengthenloan wholeprocess management,strengthencredit risk early warning,establish and improve the technologymeasure ofcredit risk management and control,intensify theallocation and education as well ascultivation of credit risk management and controlpersonnel,reinforce creditcombination management and credit structureadjustment,establish assess and restrict excitation mechanism,strengthen information degree of openness.Study aims atincreasing A bank the ability and centralcompetitive power of credit risk management and control in this paper,and contributed toimprovement and optimation A bank credit risk management and control as well as thebalance of risk andprofit.