Everbright Bank X Branch Credit Risk Management Research

The bank as a special financial enterprise,its operation condition directly influences the development of Finance and economy.Credit granting business is one of the bank's main business,the management ability of credit risk is also the core competence of the bank,the credit risk exists in the investigation and review of the credit granting business,post-grant management,as well as the examination and approval.Research on credit risk management of Bank,it is of great significance to promote the steady development of banks and to guard against risks.Therefore,Prevention and control of credit risk,and closely related to the operation of the bank,it is necessary to establish the management concept of modern banking,building and improving risk management,make it have a long-term mechanism,so as to realize risk management,it will enable every business in the bank to remain sustainable.Everbright Bank X branch was established in 1999,the company has more than 500 employees,by the end of 2016,the total assets of everbright bank X branch reached 14.94 billion yuan,the balance of all loans reached 8.95 billion yuan,among them,the ratio of non-performing loans is 3.24%.By analysis,Everbright bank X branch has some risks in the credit service structure,credit granting system,credit granting organization structure and credit granting business process.In order to enhance the competitive strength of Everbright Bank X branch,need to implement the measures to perfect credit risk management,to solve its own risk management problems.This thesis is the research object of everbright bank X branch,by analyzing the status of credit risk management of Everbright bank X branch,recognizing the credit risk of everbright bank X branch,analysis of the problems existing in the credit risk management of Everbright bank X branch and the reason analysis,in the end,the strategy of credit risk management of everbright bank was formulated.Include:strengthening credit risk management and cultural construction,improve the way of credit decision making,improving the financial evaluation method of credit business,optimize credit granting business process,improve employee professional level,to solve the problems existing in the credit risk management of Everbright bank X branch,in order to help Everbright Bank X branch to improve competition,and improve its risk management level.