Research On Risk Control In Credit Business Of Bank B

As the core business of banks,credit business plays an important source of banks' profits.Correspondingly,the risk of credit business is also a major risk of commercial banks.Among the kinds of credit businesses,company credit business is an important component of credit business.At present,the amount of non-performing loans and the rate of non-performing loans of commercial banks in the whole country have increased both.It demonstrates that the risk of commercial banks' company business is surging up.And it's a trending that debtors of credit business are more complex in terms of industry,scale,ownership structure and relationship.Therefore,the risk control of credit business is gaining its complexity.It is of great significance for commercial banks to explore new approaches of the risk control of company credit business to match the current situation.This article mainly bases on a case study,taking B bank as the research object,first introduces the commercial bank's process of the company credit business,and analyzes the important risk points of the process.Then,the passages introduce the basic information of B bank,emphasizing the distribution of credit assets of B bank and the process of controlling the risk of company credit business,and the existing problems are analyzed.There are six main problems in the risk control of company credit business in the same year: one is the defects of the risk vertical management system,the absence of the credit accountability system.The second is the lack of experience in the credit business line team,the weak risk awareness.The third one is the lag of the risk warning signal,and the credit risk of the group customers is difficult to identify.The four is the process before the loan extensive work does not attach importance to financial analysis.The five is that the loan approval is not clear about the purpose of loan use.And the six is the neglect of post loan management.In view of the problems found,this paper provides the following countermeasures for B bank to control the risk of company credit business: optimizing the risk vertical management system,improving the risk early warning system,optimizing the credit risk control information system,improving the risk measurement model,optimizing the public credit process,improving the credit rating method,and paying attention to financial analysis in the wind.The application of risk control;improve the professional quality of employees and establish a scientific business assessment mechanism.This paper hopes that these measures can help B bank enhance its risk control level for company credit business.