Research On Credit Risk Management Of SZ Branch Of NY Bank

As the main business of commercial banks,credit business is the main mode of commercial banks to obtain profits.In the recent years,Credit risk for commercial banks has became the most important in the various kinds of risk that commerical banks in China face.At the same time,the overall economic situation in China is still complicated that the economic growth motivation is weak and industrial structure is not reasonable enough.Commercial banks in China are facing unprecedented competitive pressure and complicated market environment,the credit risk management is priority.As the foundation of bank operation and management,the credit risk management is also the embodiment of the core competitiveness.As a result,NY bank SZ branch has become increasingly attention to prevent and solve the credit risk,which becomes the daily work of priority.In this article,the credit risk management situation of NY bank SZ branch will be analyzed,and pointed out the situation about credit orientation,risk management,collect disposal and risk investigation.From the four aspects of risk awareness,credit review,post-loan management and internal control mechanism,this article will list the existing problem in the NY bank SZ branch.Finally,from internal control mechanism,scientific credit risk warning mechanism,effective credit risk resolving mechanism,credit risk monitoring system and advanced credit risk management culture and so on five aspects,this article will put forward a series of suggestions to strengthening the credit risk management of NY bank SZ branch.