Research On Loan Risk Management Of Shanghai Pudong Development Bank X Branch

Shanghai Pudong Development Bank(SPDB)is a state-owned national joint-stock commercial bank,headquartered in Shanghai.In top 100 banks ranking list which released by Chinese Banking Association in 2016,SPDB ranked thetenth,and ranked the sixth in national commercial banks.However,from 2012 to 2015,SPDB non-performing loan(NPL)balance increased year by year,from 8,940 million yuan to 35,054 million yuan in 2015,and the NPL ratio also showed an upward trend.By the end of 2016,SPDB X branch hold the depositbalance of 77,900 million yuan,the loan balance of 70 billion 620 million yuan.According to CBRC caliber,the loan size and profit index of SPDB X branchcontinued in the leading position of 10 joint-stock commercial banks in the city,butin recent years,thenon-performing loan ratio of X branchalso continued to rise.Based on this,the research first analyzes the status of credit management in SPDB X branch,and then identifies the risk factors existing in the company credit risk management.Through in-depth analysis of the causes of these problems,specific countermeasures and suggestions from staff,method and system are proposed.First of all,after investigation,this paper concludesin terms of company credit management process,management system,organization structure,industry distribution,credit assets,credit risk rating and internal rating methodin SPDB X branch,and provide the framework and the starting point for subsequent explicit solutions.Secondly,this paperreviews the literature and research results in the field of commercial bank corporate credit risk management,using the checklist method to select 57 risk factors from the aspects of customer access,internal rating,credit approval,loan management and non-performing loans recovery.Then,on the basis of the analysis of the 5 typical cases of the SPDB X branch,this paper extracts 32 risk factors that X branch faces,and then issues a questionnaire to relevant personnel in X branch.Through statistical analysis to evaluate the risk factors,I found that currentlycustomer access and credit risk level are two highest aspects in SPDBX branch,then followed by the post loan management and non-performing loans recovery,and internal ratings have the lowest level of risk.The risk factors of corporate loans in SPDB X branch can be divided into three levels,including 11 factors in the first level risk,7 factors in the second level,and 14 factors in the third level.This paper also finds that,according to different client typeof group loans,large business loans,medium business loans,andsmall and micro businesses loans,the risk factors faced by the branch are also different.Finally,according to the risk factors identified and evaluated,this paper sums upthree major problemsin the company's credit risk management of X branch,and use fishbone diagram analysis to analyze reasons,and put forward the corresponding countermeasures.