Optimization Research On Credit Risk Management Of XX Bank

With the acceleration of marketization of China’s financial reform,the internal and external business environment of commercial banks has changed greatly.From the external environment,the global financial crisis triggered by the American subprime mortgage crisis,have a huge test on banking industry.From the domestic environment,joint stock banks and local commercial banks are developing rapidly,and nonbanking financial institutions and banking business are overlapping and penetration,besides,financial innovation tools emerge in endlessly.The domestic and foreign environment is complex,which puts forward new requirements for the optimization of credit risk management in banking industry.Reasonable commercial bank credit risk management system not only affects the bank’s own profit level,but also provides a guarantee for the smooth operation of the national economy and financial security.In order to develop in the competition,it is necessary to continuously improve the credit risk management system for XX Bank,which is one of the joint-stock banks.On the basis of the existing credit risk management theory and related literature,this paper takes XX Bank as the research object,and investigates the present conditions of its credit risk through the indicators data firstly.Secondly,this paper analyzes the practice and effectiveness of the bank’s credit management,and explores the existing problems,also discusses the causes of the problems.Then,the paper designs the system of XX Bank risk management from four aspects:risk identification,risk measurement,risk control and performance evaluation.Finally,some suggestions are put forward from the aspects of perfecting the internal control system of XX Bank credit,implementing internal rating law,strengthening the quantitative research of credit risk,cultivating healthy credit risk management culture and so on for the improvement of XX Bank credit risk management.This paper makes a comprehensive study on the improvement of credit risk management of XX Bank by combining case analysis,theoretical and empirical analysis,deducing and inducing analysis.Achieved initial results,and laid the foundation for strengthening the credit risk management of XX Bank.But it is undeniable that there are some deficiencies in this paper.For example,this paper only provides a thought for the improvement of XX bank credit risk management level.And as the financial environment is complex and changeable,this thought needs to be improved in practice.