Postal Savings Bank Of China Anshan Branch On Angang Group Credit Risk Control Issues

Credit risk has always been the focus of attention of banks.Throughout the past,banks have been exposed to significant risk due to asset losses and bank bad debt rate surge.At present,the balance of non-performing loans is increasing year by year,and the proportion of non-performing loans is also increasing year by year.Once the bank loans become bad and cannot be recovered,it will lead directly to the loss of bank funds,such as a chain reaction.Banks are directly exposed to the risk of failure.Therefore,it is the most important task for commercial banks to control the quality of bank credit assets,and it is important for commercial banks to manage and develop steadily.Risk management runs through every stage of the development of financial business and is embodied in the consciousness and behavior of every credit staff member in the bank.The bank is a high-benefit and high-risk industry,so risk prevention and control management must be placed in the first place.The actual case selected in this paper is a loan project that is still in the initial stage of credit granting in the early days of the establishment of Anshan Branch of the Postal savings Bank.It is intended to express the central role of credit risk prevention and control in the initial transformation of the Anshan Branch of the Postal savings Bank.By analyzing the risk identification and risk factors of loan project,this paper further discusses a set of credit risk control mechanism of Anshan Branch of Postal savings Bank,so as to meet the needs of bank health.Healthy development needs.The credit target of the loan project,Angang Group,meanwhile,as a large enterprise in the domestic steel industry,has basically realized large-scale and modernized transformation of production equipment,while the enterprises have suffered continuous losses.This is mainly due to the increase in steel production costs of enterprises in the previous two years,the decline in product prices and the impact of lower sales volume of products.In the process of changing external conditions and facing the process of transformation and upgrading of internal operations,the Anshan Branch of the Postal savings Bank granted credit to it.Invisibly increased the project loan unpredictable control risk.The predecessor of Anshan Branch of the Postal savings Bank is Anshan Post Office,which set up Anshan Branch as a result of the structural reform.However,after the establishment of the Anshan Branch,the foundation of internal control,the awareness of credit risk prevention,and the ability of credit cognition,Compliance issues and so on are in the process of transition faced by multiple problems.It can be said that risk management is one of the weakest links in the management of postal savings banks.There are generally situations such as risk control and inadequate risk management.The management mechanism is not perfect,and they are not formed to restrict each other according to different levels.Problems such as mutual supervision,such as institutional mechanisms,can easily lead to financial cases,which will bring certain risks to banks in varying degrees.Hidden trouble.The specific operator of the project loan business is the credit officer,the "bridge link" between the loan enterprise and the bank,the integrity and meticulous investigation of the loan project,the subsequent examination and approval,After loan and project loan asset quality plays a vital role.Therefore,only by improving the professionalism of the credit personnel,strengthening the comprehensive quality of the credit personnel,and improving the professional ability of the credit personnel,can we effectively guard against the hidden risks arising from the project loan from the initial stage of the loan investigation.Similarly,various external economic uncertainties,such as the adjustment of national macroeconomic policies,changes in credit policies,and adjustments in bank interest rates As a whole,the adjustment of enterprise industry policies directly or indirectly affects the security of loan project funds.Banks monitor the financial information and data information of loan projects in real time by establishing an early warning mechanism and comprehensively using supervision tools.And establish the risk monitoring mechanism,to the potential risks,early detection and early warning,to minimize the loss of funds.