The Research On Credit Risk Management Of Medium Or Small Banks

Small and medium commercial banks in China are the achievements of reform and opening up,the economic China own reasons,in the market economy,China's economic structure has undergone great changes,the small and medium enterprises with strong adaptability and good development,has become a necessary part of the economy of our country in the field,and therefore put forward the new request to the financial market.In order to adapt to this situation,the small and medium commercial banks came into being.However,due to the late start of the small and medium commercial banks,the internal organizational structure of the bank is not perfect,which leads to the development of the.Want the development of small and medium commercial banks,good credit risk management is essential.In this paper,the Bank of Zhangjiakou,the research object,the small and medium commercial bank credit risk management work was studied,the main conclusions are drawn as follows.First,still maintain a good business performance of the Bank of Zhangjiakou increased gradually in recent years downtown pressure on the economy increasing,financial market uncertainty,credit risk management is generally successful,but rising in recent years,the non-performing loan ratio also reflects the deficiencies need to improve existing bank credit risk management in Zhangjiakou.Second,the Bank of Zhangjiakou mainly exist in the credit risk management system is not perfect,credit risk evaluation mechanism is not reasonable,management is not in place,lack of enterprise credit database after the loan four issues in credit risk management,credit management system of internal control is not perfect,credit management,personnel quality is low is the main cause of these problems.Third,the Bank of Zhangjiakou should improve the credit risk management system,establish the credit risk evaluation and reasonable machine,the establishment of enterprise credit database to strengthen supervision,pay attention to the loan before the loan management,improve the internal supervision mechanism of five measures to prevent credit risk.