Research On Credit Risk Management Of DY Bank

In recent years,although the domestic commercial banks began to demand according to the capital adequacy standards,adjust credit structure,control of asset growth.But at present,domestic and international economic situation is still complicated,the economy has stabilized the situation is not stable.From the international environment,the financial crisis influence still exists in some developed countries,including the foundation of economic recovery is not stable,full recovery of the world economy and China's export trade recovery high growth still requires a long process.From the domestic situation,weaken the effect of the policy of expanding domestic demand,endogenous economic growth momentum is not strong;change the mode of development is still lagging behind,structure adjustment and further increase the pressure;inflation is expected to rise significantly.China's current business the bank is facing the hitherto unknown huge competition pressure and complex market environment,the government should strengthen the OBSA supervision of banks,to prevent the risk of product Gather and maintain the stability of the financial system;also attaches great importance to raising and management of local government debt,strict control increment,gradually digest the stock,effectively mitigate risk.Especially requires financial institutions to strengthen risk identification and risk management,follow commercial principles,careful assessment of the borrower's financial capacity and the source of repayment.Accurately grasp the policy guidance push forward the risk management,is the priority among priorities in the future the bank credit risk management.I stand in the bank employee's point of view,combined with the reality of macroeconomic conditions,learn from the experience of foreign advanced credit risk management of commercial banks,take the basic research methods of theoretical study and data analysis combined,on the basis of the research on credit risk management the bank,based on the trend of the current risk management of commercial banks facing the refining of Chinese commercialbank credit risk management together Problems,especially dy bank is experiencing problems,suggestions were put forward for the dy comprehensive risk management of banks.In the first part of this paper is the introduction introduces the background and significance of this thesis.The second part introduces the concept and the related theory of credit risk management in commercial banks;the third part introduces the dy bank development status and risk management status analysis;the fourth part is analysis of Dy commercial bank credit risk management of the existing problems and the reasons;the fifth part is international experience for reference.Chapter six to establish credit risk management model;chapter seven is the conclusion of this paper...