Research On Credit Risk Management Of Bank Of China Shuangyashan Branch From The Financial Perspective

Shuang yashan is a coal resource-based city and coal related enterprises have always been the main target of bank credit.In the past,the prosperous coal industry has made the GDP rising quickly,the scale of the coal enterprise is expanding,and the bank loans are also rising rapidly.However,with the decline of the coal market and the promotion of industrial structure adjustment,the management of coal enterprises is difficult.The risk faced by bank credit assets have increased dramatically,and various major banks have developed different levels of non-performing loans.The credit capital of the four state-owned banks is the foundation of China's economic development.Therefore,banks should strengthen their management of credit risk and strictly control every link of credit operation,so as to minimize credit risk.Based on the relevant theories of credit risk management,this paper uses the case analysis method to conduct field research on the Bank of China Shuangyashan Branch.After fully learning the credit risk management of the branch,the Bank analyzed the Bank of China Shuangyashan from a financial perspective.The bank's liquidity risk,asset quality risk,operational risk and market risk,combined with the actual situation of the branch to find out the cause of the risk,and put forward the problems in the credit risk management of the Bank of China Shuangyashan Branch,and then use the level analysis The credit risk assessment system was established by the Act and the Improved Efficacy Coefficient Method.Based on the analysis of the financial data of the Shuangyashan Branch of the Bank of China in 2017,the credit risk assessment results were obtained.The evaluation results indicate that the Bank of China's Shuangyashan Branch currently faces higher credit risk,including liquidity.Risk and asset quality risks are more serious.Finally,it proposes credit risk prevention measures for the causes of risks,such as strengthening the use of financial information,fostering credit culture,so as to ensure the healthy development of banks.