Research On Credit Risk Control Of HR Bank

At present,the domestic commercial bank credit risk control is in the construction phase,both the control technology in the system,or in the methods and concepts,Commercial bank credit problem is an urgent problem,otherwise it will only affect the sustainable development of the bank,and will lose the interests of customers.The risks inherent in strong,can effectively prevent and control credit risk,also cannot meet the higher the scope and level of competition at home and abroad,to improve the level of credit risk control,strengthen the reform and innovation of credit risk control.This paper is divided into six parts,the first chapter expounds the research background and significance,the second chapter introduces the basic concept and classification of commercial bank credit risk control and related theory,the third chapter is mainly about the control of the foreign commercial bank credit risk experience analysis,the fourth chapter analyzes the present situation of credit business of bank HR,grasp the basic situation of credit risk control,the problems and causes of the credit risk of banks is not strong sense of existence,the management system is not perfect,the problem of credit customer evaluation system is weak,mainly from the three aspects of the bank itself,the borrower and the external environment and other reasons.The.Comprehensive analysis before,further proves the necessity of comprehensive evaluation of bank credit risk control,the fifth chapter constructs the comprehensive evaluation model of bank credit risk control,the risk assessment,control activities of the five elements,settings and select different indicators,and constructs the comprehensive model of credit risk control.Finally,by using the comprehensive evaluation model,according to the evaluation results,put forward to perfect the credit risk measures.The expected results can not only give guidance for HR bank credit risk control,but also for the industry of bank credit risk control work to provide reference ideas and models.